BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VT
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:
ISSUE : XXXX XXXX mishandled or misapplied loan payment, incorrectly charged {$35.00} late fee, charges an exorbitant " servicing '' fee per transaction, and refused to answer any questions about payments. 

BACKGROUND : I have two outstanding Perkins loans from XXXX College for {$2300.00} and {$1700.00}. XXXX XXXX, a subsidiary of XXXX XXXX XXXX, services those loans. I made my first payment for about {$50.00} after my loans exited deferment. I did not receive a notice that my payment did not go through. My subsequent bill advised that I owed 2 payments for {$110.00}. I immediately made a payment on XX/XX/XXXX with an additional " service fee '' for {$1.00}. I made sure to enter in the correct bank account number. I received a payment confirmation on XX/XX/XXXX at XXXX XXXX. I did not receive any notice that my payment was declined or cancelled. 

On XX/XX/XXXX I received a " Second Past Due Notice '' advising that I owed {$130.00}. I immediately went to XXXX XXXX 's website and opted to make a debit card payment ( in lieu of a payment from bank account ). The requested amount was {$190.00} -- this was a different number than the {$130.00} quoted on their past due notice. I made a debit card payment. XXXX XXXX   charges an additional {$8.00} " service fee '' to process credit card/debit card payments. The total amount I paid was {$200.00}. I received a confirmation email at XXXX XXXX that my payment was received. 

After, I attempted contact XXXX XXXX 's customer service through the chat box. XXXX was the customer service agent that responded to me. I asked 1 ) why my payment did not go through ; 2 ) why they charged such a high service fee for credit cards ; 3 ) and if they had any record of my payments. She flatly refused to answer my questions. She advised I should contact my school, XXXX College.  After asking why she could not answer my questions she proceeded to immediately terminate my conversation with her, close the chat box, and making it impossible for me to copy and paste our conversation. 

COMPLAINT : 1 ) XXXX XXXX is mishandling student loan payments and unfairly and unlawfully charging late fees. 2 ) XXXX XXXX refuses to engage with student borrowers, answer questions, and provides false and misleading information to student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was sick for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX took XXXX hours to perform such XXXX, he said we performed those XXXX in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX XXXX looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX  prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.

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 2018-12-14
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: Their investigation did not fix an error on your report

Complaint:
The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.

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 2022-07-15
Company: Experian Information Solutions 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-15
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up complaint regarding reference # XXXX. I originally filed a complaint against BSI Financial. The complaint was closed after the company responded stating that they had sent a request from me asking for additional information. This all occurred back in XX/XX/2022. It is now XX/XX/2022 and while the company has received all of my documentation and has confirmed since XX/XX/XXXX that I have been approved for Recovery Modification and that papers would be mailed out to me within a couple of weeks from the email correspondence. I have been told this several times since the beginning of this process. During this time I have received negative reporting to the credit bureau, a medical credit card was closed due to the reported information, and my credit score was dropped significantly all at once. I have personal called in to make payments since the end of my forbearance. My payments started back on XXXX XXXX. I am unable to pay online due to lack of updates to my account. When I attempt to mail in payments, the checks are never cashed. When I call to make a payment, I have been charged for doing so in the past. This has been a very long process. Most recently not only has XXXX XXXX have not followed through with the documentation or paperwork, she has stopped returning my emails and I have not been able to get her on the phone. Attached you will see copies of our communication regarding this case as far back as XX/XX/2022. I am requesting your assistance with this matter so that I may continue to move forward with my life and get this issue resolved. 


Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 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 2018-03-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. I have tried contacting your company and the address provided is a incorrect address. i am attaching the return mail to prove that this is inaccurate and false reporting on my credit. please remove thin incorrect inquiry as soon as possible as this is hurting me to obtain credit. i really hope we can remedy this as soon as possible. im keeping careful records of all communication with your company. depending on your response i will file a small claim court in my local county were you will have to attend. i have proof this is an identify fraud as my identity was stolen and i filed a police report. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$1400.00}, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}.

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 non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: NY
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2022-07-15
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am now requesting more information from the credit bureaus about these specific accounts in question because I am not comfortable that enough was done to actually contact the creditors who are reporting these details on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX XXXX Balance Owed : {$1800.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to notify me when the items have been updated or removed. Once this has been accomplished, I need the Credit Bureaus to forward me an updated copy of my credit report to the address provided.

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 2021-12-08
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Started with a {$200.00} secure credit card and was told after 8 months of paying on time and responsible use would have my {$200.00} returned and graduate to a unsecured card. Graduated to a unsecured credit card on XX/XX/XXXX and was told by email will receive {$200.00} deposit returned in 5-7 business days. It is now almost a month have reached out 2-3 times and each time been told sorry it's a " glitch '' and don't know when your secure deposit will be returned. Last call was on XXXX XXXX and talked with a XXXX out of the Ohio office and she was very unprofessional towards me even questioning and belittling what I did for employment. Asked to speak with supervisor. Spoke with supervisor named XXXX out of the Ohio office. Never received an apology for the way XXXX spoke to me and got them same response of " I don't know '' when requiring about the return of my secure deposit. Then XXXX hung up on me ending the call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. 

The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 2019-08-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from XXXX (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for Comenity Capital XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from Comenity. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.

Company response to consumer: Closed with monetary relief