BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After hours on the phone with multiple agents, Experion has been unable to accept an disput eover the phone. They say they can not see the details of my account even though I have provided my personal information and Experion Membership number. I can see the collection item in dispute when I log in to my Experion Account. Experion is saying they can not see anything except my name so I am unable to dispute the collection posting. 

I have attached the documentation of the dispute.

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 2020-04-28
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 XXXX  XXXX completed Paid copay amounts of over $ 2500-including a cash payment of {$1200.00} in order to get the operation. 
Insurance claims were submitted and paid. A year and a half later the hospital sends another bill. Insurance-both in several calls made and in the insurance claim that we are not obligated to pay that bill as the hospital is in network. The hospital can't explain why we owe it despite the insurance claims-and forwards it to collections. We send proof to outsource receivables that our responsibility is {$0.00} of the {$720.00} bill and they refuse to delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Conn's, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tuesday the XXXX of XX/XX/2020 starting at XXXX eastern standard time I have received 6 calls from conns to collect a payment that is due. I feel extremely harassed and I am appalled that during a time of crisis in the country and economy that this would be considered acceptable. I am considering legal action through and attorney because I feel harassed but am willing to see the resolution from the company before I make that determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
made 2 large deposits in a new savings account and then I went to make 3rd deposit in the same account and it did not total to the correct amount that should be in my savings account. When I brought that to the tellers attention the teller advised me that there was a discrepancy in my account and she verified that it was {$1000.00} off. So the teller took me over to the bank manager she looked into the account and said it looked like my account had been hacked or fraudulent activity. I was advised that the bank was going to look into this matter and they would credit my account for the funds that were taken out of my account ( fraudulent ) .I have spoken to the chase bank manager XXXX and she advised me that my account should have been credit by now. I since received a letter from Chase bank stating that they were not going to credit my account because the letter states I benefited from this account. I believe every time I make a complaint about chase on my accounts they give me a lame excuse about my account and they can not prove how I benefited from this account and they will not show me who hacked my account and how the amount was distributed to me or whoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: American Student Assistance
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans have been sold more than once. XXXX XXXX XXXX XXXX is a collection agency for American student assistance. They have me owing XXXX. I did not borrow that much money. They have the principal at XXXX did not borrow that much. They have the interest as XXXX. Collection cost XXXX. I do not have a problem paying back what I borrowed but these fees are outrageous. I recently made arrangement to pay XXXX $ a month but I have had some changes in my income. I have tried repeatedly to contact them and never get an answer, just a voice mail I leave my name and number and why I ', calling and if they do call me back they never leave me a message. I received a letter XX/XX/2021 about the matter and said for me to call. I did and got the same no answer. I'm afraid they are going to Garnish my pay and I can't afford that.

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 2021-10-20
Company: Verisk Analytics Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX ( by Verisk ) can not provide consumer report per FCRA. 

Per the company 's website https : //fcra.verisk.com/, the only method to request for a consumer report is to call the XXXX Consumer Report Request Line at XXXX. 

However, no one answered the phone after a dozen of attempts ( within company 's business hours ). Therefore the company makes the consumer report inaccessible to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received court forms in regards to a credit card debt from XXXX. The court forms were signed off by the XXXX XXXX Sheriff 's Office, Sheriff 's Civil Bureau. My social security number was hand written in on the forms next to the wrong address. I first spoke with a representative from Midland Funding LLC regarding this whole matter that I was unaware of and also the fact that my social security number was written in on the forms and by law they should not have written any of my personal information on anything in any form. The representative stated they could do that in a court form. I responded by stating they could not do such and it is not normal practice to write a social security number on any form especially court forms. I indicated that I am out of work due to the virus and that the forms I received state a payment plan could be worked out even though this is a 12 year old debt and past the seven year rule. The representative then stated that the sheriff 's department was the one that wrote my social security number on the forms. She also stated they could take all of the amount ( XXXX ) and that no plan would be worked out. There are so many issues with the handling of this 12 year old matter. We are in a crisis as a nation and a company such as Midland is able to do whatever they want and also be irresponsible and give out my social security number just because they don't care other than receiving money that they shouldn't even receive. They found my correct employer yet they couldn't find my correct address. My address is linked to my employer. These companies seem to get away with what they want and no one puts a stop to them. The judgment was entered in the court on XX/XX/XXXX. I was unaware of anything pertaining to this matter especially since they were not mailing any information to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited {$1300.00} in cash at the Bank of America drive through ATM in XXXX. 

The balance did not reflect in my account so I filed a claim. 

The claim was rejected and because I did not get a receipt there is no way for me to dispute their conclusion. 

The balance adjustment of {$1300.00} will be - {$1300.00} on XX/XX/XXXX. 

If I had gotten a receipt I would not be in this mess and would not be at risk of losing {$1300.00}.

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 2020-04-28
Company: Experian Information Solutions Inc.
State: TN
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 took a look at my credit report and I have fraudulent and inaccurate accounts reporting 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 2021-10-20
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of PayPal. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with PayPal. XXXX changed my bank account numbers and requested the {$1000.00} back from PayPal as a case of Fraudulent transaction. PayPal returned the {$1000.00} and " Locked '' the PayPal account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency ( XXXX XXXX XXXX XXXX located in XXXX, UT ) stating I owe {$1000.00} from a PayPal account they now owned. I contacted PayPal and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the PayPal account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which PayPal has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from XXXX XXXX XXXX exactly a year later stating they now own the account and require payment. PayPal is unable to do anything because the account was sold. PayPal is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: CT
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 told experian that the XXXX XXXX XXXX account, XXXX, theyre reporting is incorrect. According to the FCRA all inaccurate information must be removed and I want this removed as it is in violation of my rights! They are willingly non compliant

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 2020-04-28
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by Phoenix Financial about a supposed debt. I have all my debts paid in full the moment I receive a bill in the mail. The caller began by going through his speech on HIPAA laws and when I tried to tell him I understood them, he became belligerent with me. 
He told me he was going to hang up. I asked if it was OK that I record the conversation as his company was, he said it was OK, but he was not waiting for me to set it up. At this point I asked why he was being belligerent with me, and he hung up. I still don't know what it is that Phoenix Financial thinks I owe them ... .. 

The caller was rude, belligerent, and condescending toward me. The actions of this individual are why debt collectors are thought of so badly. I would have happily talked to the caller and explained I have no debt to go to collections. I was not given the chance. Now, this mistake will probably ruin my credit I worked so hard to get right, because someone brought a bad attitude to work. I really hope all Phoenix Financial employees are not this way. 

Thanks for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: PA
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:
For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

Experian doesn't allow me to download a 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 2021-10-20
Company: Revolut Technologies Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Revolut blocked my account right after I deposited XXXX dollars into it and is refusing to unblock it until I send them screenshots of my XXXX XXXX with a number for a card that I do not have. I tried to explain to them that I do not have this card ending in those 4 digits but they are saying that they can not release the hold on my account until I provide them with photos. They are asking me to provide them with something I do not have, and am therefore at a stalemate with them. XXXX XXXX changes the card numbers whenever you link and unlink a card. There is no way to give them the information they request. Please intervene on my behalf.

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 2020-04-28
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX   XXXX {$3700.00} XXXX   XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} COLLECTIONS XXXX {$420.00} COLLECTIONS XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: AES/PHEAA
State: IL
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:
Applied for PSLF and was denied. No credits even though I made 10 years of payments. I am just finding out my payments did not qualify yet I was not informed about that when I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While in XXXX, XXXX a fraudulent charge - {$430.00} - was made against my Citi credit card. 

Though I was at the XXXX XXXX XXXX that day -XX/XX/18 -, and made another much smaller purchase ( map, refreshment? ) there against the credit card, a second charge for {$430.00} was charged to the card. 

I believe the card was " double swiped ''. 

I have no record, nor recollection, of this purchase - and firmly believe it is fraudulent. 

I attempted to call the XXXX XXXX XXXX - the language problem aside, I was told they could not help with my query - and that no paper-signed receipt was available. 

Since early XX/XX/XXXX I have been in contact with Citi - by phone, email and letter. I have answered in detail all the questions they have asked. ( see attached files. ) Their only response has been they are " looking into it. '' They have not been able to provide any receipts or details regarding the charge - and refuse to give me a permanent credit for this phony charge.

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 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Re : Prior Claim XXXX See that claim for details regarding specifics, if needed. 

It seems that I am not being believed and subsequently that claim was closed by Capital One. I do not agree for the following reasons : I saw that my application for a Capital One Credit Card online was DENIED. Yet the company called me to say that it looked like someone was trying to open a Credit Card in my name, leaving a voice message. I took the time and care to call back and say : 1 ] No, it was me trying to apply. 2 ] However, the online application app showed : DENIED 3 ] I told the customer service rep unequivocally that I did NOT WANT the Credit Card [ and the application had already been DENIED according to the online website ]??? 

In the mail a few days later I received the information on my new, but RESTRICTED, credit card?!? 

I claim this is the company 's error. How can it be proven that my application was approved, when it had been flagged and placed on hold by the company as a fraudulent application IN THE FIRST PLACE? 

I have requested this error NOT BE REPORTED to my credit records. A big company like Capital One ... what harm or negative action have I undertaken, that I should be penalized ... and what exactly is the benefit to Capital One in reporting this mistaken scenario? 
AN ANSWER TO THIS LAST QUESTION IS ALL THAT I NEED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation