BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently sent a complaint out to tge company who said that I am represented by a attorney which is not the case. 

ARS needs to respond with answers. 

To Whom It May Concern : I am sending this letter to you in response an item your company has placed on my credit report. Today XX/XX/2013 was the first time I have become aware of this alleged debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX. Someone called me from Bank of America saying someone was trying to use my XXXX account to take money from my checking .before I gave information they needed I quickly realized they were scammers. At the same time another call came saying this was BOFA. I hung up called the Bank and they realize some was trying to take out money with XXXX, so they had to freeze my acct. i specifically told them my rent is in that account to be paid on the XX/XX/XXXX, they said that will go through its on going transaction. They opened a new account for me. But the money was still in frozen acct, {$3500.00}. My rent for & XXXX was paid electronically at XXXX on XX/XX/XXXX. On XX/XX/XXXX I received notice from rental agent, my check was retired and I will have to pay {$1700.00} by XX/XX/XXXX. I called the boa and they said they froze the account and returned the check because of the fraudulent activity on the Acct. the fraud dept sent me back to rental mgm. Who said The check return fee of {$75.00} must be paid but the late fee of {$170.00} will be waived if the will give me a letter stating that yes the funds was in the acct at that time but was frozen. The bank refuse to give me something stating the money was there. Now the fee is doubled to {$340.00} and I am facing eviction. Because the bank sent me letter saying they had to protect my account and even refuse to return the {$75.00}.

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 2023-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX ) I opened a XXXX card with American Express in XX/XX/XXXX. The card is advertised as enabling the accumulation of Membership Reward points, which can be transferred to several AmEx airline and hotel partners. 
XXXX ) In XX/XX/XXXX, I attempted to transfer my Membership Reward points to the XXXX XXXX XXXX XXXX ( XXXX henceforth ) rewards program, an AmEx partner, via the AmEx website which provides this functionality. 
XXXX ) The website requests that I provide my account number with XXXX, which I did. However, the transfer failed with a non-descriptive error message that indicated that they could not verify a match between my AmEx account and my XXXX account. 
XXXX ) I called customer service around XX/XX/XXXX to attempt to make the transfer via phone. The agent indicated that the problem is that AmEx system can not fit my full legal name, which has XXXX characters in total. Their system seems to only be able to support around XXXX characters. 
XXXX ) XXXX 's system does support my full legal and requires an exact match for the points to be transferred. The agent went so far as to indicate whether I could change my name with XXXX so the match could go through. I can not comply with that request, as it would effectively mean changing my correct full name with XXXX to something incorrect, which could create complications when purchasing tickets and boarding flights. 
XXXX ) The AmEx agent admitted that the problem is their system but did not provide any recourse. As a result, simply due to the fact that my name is " too long '', I am unable to take advantage from the benefits advertised to me when acquiring this card and have been misled. The points I have collected with AmEx should amount to thousands of dollars. I kindly request your support in advocating for my rights as a consumer and that AmEx provides a resolution that enables me to receive the full value of the benefits contracted when I acquired their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Oklahoma Student Loan Authority
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I enrolled at XXXX XXXX XXXX and went through the financial aid department to receive funding to attend their school I started school in late XXXX and it ended up until XX/XX/XXXX I then ended up getting XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I was released I then found that I was in debt on my credit report when I called and asked why I was told that I selected the option that if I stopped going to school return the money to the lender and have me pay for it well I have never been through the whole financial aid process or receiving loans and applying for loans so I wasn't aware of what was going on also I don't understand why I was put at default can I have no idea of it in fact I was incarcerated and had no way of knowing and I was never informed that I was going to be charged the amount of money and that the money that I got the loan for was to be returned to the company if I stop going to school. I don't believe that this is lawful or Fair because I did not have a mutual understanding of the decisions made in the financial aid department of XXXX XXXX. Now I'm interested in going back to finish my XXXX  XXXX certification however my credit report in my student loan history May conflict me being able to do so. Also it is affecting my credit score in a negative manner and I need help disputing this matter. Can you please contact me as soon as possible once again this is a very urgent matter because the matter at hand is holding me back from furthering my career and building my future you can contact me anytime this is my mobile number ( XXXX ) XXXX my name is XXXX XXXX XXXX XXXX XXXX . 
If I happen to miss your call please leave me detailed message and the number I can return your call. Thanks for your time I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Information belongs to someone else

Complaint:
FTC Violations XXXX XXXX {$810.00} XXXX   {$20000.00} WF/Dillard {$1700.00} XXXX XXXX 's {$270.00} XXXX {$1300.00} XXXX XXXX   {$520.00} XXXX {$840.00} XXXX consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the XXXX XXXX XXXX It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the XXXXair Credit Billing Act ( FCBA ).

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 2021-12-02
Company: EQUIFAX, INC.
State: AL
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 disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Equifax is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number 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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent in several dispute letters to have certain items removed .. I received an updated credit report with the same negative accounts reporting stating before and after but they are the same .. I requested original documentation be mailed to me with my signature I did not receive 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
Consumer complaint received 2022-11-26
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: Old information reappears or never goes away

Complaint:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.

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 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
I was notified by Bank of America on XX/XX/XXXX that a credit card was approved in my name and would be sent out an old address of mine. I called and had the account closed and submitted a fraud claim. I was told they would send me a copy of the application that was filled out along with a letter of my claim. After several weeks of trying to obtain the information they stated I need to file for Subpoena to obtain the application that was filled out. Is this common practice or do I have rights in this matter? I would like to know what personal information was obtain for them to issue a credit 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
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted Transunion on XX/XX/2021 in regards to inquiries they were reporting on my credit report. 

Transunion did not respond to my letter nor delete these inquiries. 

Please see attached proof.

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 2020-05-01
Company: CITIBANK, N.A.
State: MD
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 bought some shoes from XXXX which turned out to be defective. The zipper broke. I contacted XXXX and they sent me a replacement and I just had to send back original pair. 
I decided to send back both pairs with the shipping label provided. 
I received my bill and it still had the item on the bill. So I disputed the amount. A month later, XXXX sent me a letter that they needed further information to resolve the dispute and to call number on the letter. I called the number on the letter, XXXX, and it said they were closed due to Covid. Ive called once a week since the letter was mailed to me in XXXX. I received another letter today that since I did not call to furnish the information needed, the dispute was closed and not in my favor. I just tried calling the number they provided again. And it still says theyre closed due to Covid. 
If thats the case, why would XXXX close my case? Rather than extend the investigation period. Obviously someone is working, and taking adverse, unfair actions not to my benefit. 
As if today, I am yet to receive my refund for the purchase.

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 2020-07-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax has carried the name 'XXXX XXXX on my account and the as the primary name associated with my SS # since at least 1992. I have tried repeatedly to have Equifax delete this name from my credit report, and they continue to not delete this erroneous name. 
Not so incidentally, all the other credit bureaus have my name correctly and do not carry the erroneous name anywhere! 
CREDIT REPORT XXXX XXXX Report Confirmation XXXX Dear XXXX XXXX : Thank you for requesting your Equifax credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you may Initiate an investigation request via the Internet 24 hours a day, 7 days a week at : www.investigate.equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
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 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 has violated my rights. 

XXXX XXXX. XXXX XXXX : ( a ) Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX. XXXX ( a ) : Any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX. XXXX ( a ) : No consumer reporting agency XXXX make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ( XXXX ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than XXXX years. 

XXXX XXXX. XXXX ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Reporting information with actual knowledge of errors. 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information plus I demand monetary compensation.

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 2018-07-26
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to work with XXXX XXXX to get my number of qualifying payments corrected. I had the Department of Education Ombudsman check the number of payments and XXXX XXXX XXXX did not correct the number. I have made more than the 120 qualifying payments but right now, they are showing I've made only 55 payments. Two years ago, they showed 47 payments made. These numbers are both wrong. 

I believe I've held up my end of agreement and want Fedloan Servicing to do their part. 

My Student Loans are over 25 years old. The original amount was {$40000.00}. I've paid more than {$100000.00} and still owe {$170000.00} as of XX/XX/XXXX. 

XXXX XXXX University - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX in XXXX XXXX - XXXX

Company response to consumer: Closed with explanation