BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
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: Account information incorrect

Complaint:
XXXX XXXX has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus untilXX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.

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 2020-06-05
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year in XX/XX/XXXX I had a visit to XXXX XXXXXXXX XXXX XXXX XXXX. After being checked upon by doctors and mentored by nurses, I was advised that everything looked fine and asked to check out at the front desk. The receptionist looked up my insurance information and I paid the co payment of {$100.00} through visa. XX/XX/XXXX, without no letter or notification from this hospital, I seen on my credit report a bill from a collection agency callesd Aargon Agency with the oringinal debt of XXXX to XXXX XXXX XXXX XXXX XXXX. I already paid this bill in full and the hospital said they contacted the agency to have it removed. Unfortunately the debt has not been removed. This has hurt my credit score dropping 140 points. I would like this resolved immediately.

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 2019-08-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
OnXX/XX/2019 I approached XXXX XXXX from XXXX to cancel both my parents membership ( membership # XXXX and # XXXX ). I asked for the total due at the moment of cancellation and they said it was {$21.00} per membership. OnXX/XX/2019 I was charged {$45.00} for each membership without my authorization. I talked to a representative of the gym and they said they were charging annual manteinance fees which I wasn't told at the moment I cancelled the memberships. Even the invoices they gave me said the annual fee was {$0.00} and that total due was {$21.00}. They denied to refund me my money, so I disputed the charges with my bank. The first time the bank denied the dispute because they said I had a relation with the gym, which I then disputed again because it wasn't my membership. Today XX/XX/2019 I received a letter from the bank saying they denied again because I have to resolve the issue with the merchant, when I specifically told them the merchant denied to refund me the money. So they are giving me two different answers which I think it is just an excuse to not give me back the money XXXX took from my account without my authorization. 

Furthermore, if the gym wanted to charge pending fees they should have charged them to both my parents ' credit cards, since they registered themselves to the gym with their own credit cards. Since they were no longer in the country I went myself to cancel their memberships as a favor and paid with my own card while the gym still had their credit cards information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My war with Wells Fargo Bank began XX/XX/2020. I made a {$1300.00} transfer from my XXXX  checking account to XXXX XXXX in XXXX, Alaska. Transfer went through but to a XXXX XXXX XXXX account located in Texas. This was the time XXXX was being accused of having fake accounts and transferring money into those accounts. I feel this is what happened to me as I do not have any bank accounts in Texas. I contacted XXXX immediately and was informed that this was a bank fraud and I went through that process. I was told that all XXXX had to do was contact the bank in Texas and dispute the transaction. They would not do this. A few days later, my XXXX checking account was closed without my knowledge or any prior notice. 

I have fought this for almost 18 months and have filed appeals on the XXXX decision. Their ultimate decision was that I " authorized '' the transfer. I have argued that the money went into an account that was not mine. I was told they " didn't care if the money went to XXXX XXXX, I authorized the transfer ''. This is totally a case of fraud and using my money for their advantage.

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 2019-08-27
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of 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 explanation
Consumer complaint received 2022-08-07
Company: Second Alliance, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called many time by the company about this debt. But I told them this is false information. This was during my time in service. I signed for one class thinking I can study while serving. But when I realized we were going to mission training. I cancel this program through the XXXXXXXX XXXX base of registration for class. But this company still charged me. What surprise me I never took a class with them. More importantly the XXXXXXXX XXXX was in charge of paying class while we are serving, cause this was sign through the XXXXXXXX XXXX. Not at my charge or anything. Also the policy was to cancel if we dont want to go anymore. I cancel within the time required. And now there are framing me for a money that I dont owe them at all. They are some how putting this on my credit report which are getting my score low. Please I need help here to dispute this. This is false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: CA
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 Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX* U S Dept of ED/XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-10-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
statement is attached with this complaint. 
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee. 
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX # XXXX Re : Notice for Proof of Claim Account : XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debt

s States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2019-08-27
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019, I purchased a puppy from the XXXX XXXX XXXX in XXXX XXXX, FL. I qualified for a loan through their financial services, XXXX XXXX. They sent me a contract that needed to be signed immediately right there in the store. When I received the email I could not enlarge it on my phone. The entire contract was in fine print. I told the salesperson that I could not read the contract. I do not sign contracts I can not read. The salesperson told me she did not have a copy. On the XXXX website it states that they have easy financing with great rates. on their website site. The salesperson told me someone else wanted to purchase the dog I was under the incorrect assumption that I would be paying average credit card rates for the dog. I received an email from a collection agency I was confused. I opened the email to see that I was Paying more than 100 % financing for the dog and the dog did not belong to me he was a lease. I called the Monterey Financial Services to tell me I that I believe I have been defrauded by them and XXXX XXXX. That had I known the terms I would have put the dog on the credit card. I asked if I could pay the value of the dog and they replied that I have to pay at least 75 % of the lease term. XXXX XXXX and Monterey are working together to defraud the public. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I sent a dispute letters to Experian, XXXX and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged. debt accountss reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated '' only with no proof of so I am filing a complaint for their failure to comply with my request under federal law FCRA 609/611 provisions.

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 2018-04-09
Company: Experian Information Solutions 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:
The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to me.

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 2022-12-26
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I logged into my XXXX account and AWA Collections has flagged my account to attempt to collect {$200.00}. Letter below will be sent to them. 


AWA Collections XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : Be advised I am disputing this debt and collection. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

Also, this is a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges.

Provide a copy of my signature with the provider of service to release my dental information to you. 
Cease any credit bureau reporting until debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the Fair Debt Collection Practices Act ( FDCPA ). Please note that withholding the information you received from any medical and dental provider is an attempt to be HIPAA Compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware of my dispute with this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/18, I checked my credit score with Experian ( as I do daily with every bureau ) and noticed that it had dropped by 15 points. One of the negative factors displayed was a recent missed payment of '1 month ago ''. 

On XX/XX/18 I called the Experian Dispute center to question the information because my report does not show a missed payment since XX/XX/2018. The agent informed me that in XX/XX/2018, when I paid the full balance of a closed XXXX XXXX ( XXXX ) account ( over {$6500.00} ), it was reported as a 'paid, charge off ' and that the " credit reporting system automatically counts that as a late payment ''. I expressed my dissatisfaction and concern with that answer and the agent advised me to start a dispute with XXXX, which she initiated on the phone for me. 

On XX/XX/18, I received a notification that the dispute was settled, so I logged into check my score and saw that it had dropped another 13 points. I saw that now one of the negative factors said that I have a recent missed payment of " 0 month '', or as of the day the dispute was settled and the account was updated. 

On XX/XX/18, I first called XXXX to see if they could change the charge off status of my XXXX payment, and they informed me that they could not. I then called the Experian Dispute Center and explained to the agent how it is both unfair and inaccurate that now that the XXXX account has an update of XX/XX/2018, their algorithm thinks a missed payment was reported on that date, and my score suffers the consequences. The agent did not offer any assistance other than sending me a copy of my report, which I already have. 

My issue is with Experian and their credit reporting algorithm. My FICO score with Experian is 82 points lower than my XXXX score and 54 points lower than XXXX. This has been consistent for several months now. There is clearly a discrepancy with their system and I, a paid customer, am suffering the consequences. Relying on and blaming an algorithm, as the agent did, is an insufficient and, frankly, cowardly way to handle customers. Unfortunately, I will not cancel my membership because I have to know what my Experian score it because some credit companies only use that score to determine eligibility. This is a unfair and unfortunate trap.

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