BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  account # 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 explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights.

15 U.S.C 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 explanation
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have now been fighting with Venmo for several weeks to get at least a provisional credit for {$5500.00} in fraudulent transactions that occurred in my account. This money was withdrawn from my checking account. When I logged into to make a payment to a friend I noticed 4 unauthorized transactions and immediately reported them to Venmo. I am out over {$5500.00}. I did not receive any text for notification of these transfers and they mustve occurred through thrud stirrers access in Venmo service. I confirm through the representative that the fraudulent transactions came from an IP address that money was never requested or sent to my account ever in the past. After reporting this transactions to Venmo within a day or two they denied the claim. I spent hours on the phone with their call center and also asked to speak to the manager with no help whatsoever. They then requested I send email to XXXX to appeal the denied cliam which I did and I never received a response or even an acknowledgment of the appeal request. No provisional credit while they complete their investigation. How am I supposed to pay my bills?? I really need The CFPBs help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/2018 I had reached out to AES via their website 's contact form about requesting options for lowering my monthly payments. My reason is that I have become the sole source of income for my wife and I as she's unemployed and unable to collect unemployment because of recently relocating to a new state. As requested by AES, I submitted an application and cover letter outlining my financial situation, waiting over a week before reaching out to check on its status. When I spoke with a representative on XX/XX/XXXX at XXXX XXXX EST, they informed me that my loans were not eligible for any form of lowering monthly payments because of " not qualifying. '' I find this to be a bit ridiculous given I had provided substantial document of my financial hardship and AES appears to care little for its customers ' well-being or ability to live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-28
Company: AES/PHEAA
State: NJ
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:
To Whom It May Concern, Please refer to complaint XXXX and complaint XXXX for previous information. I am writing to you to follow up on Fed Loan Servicing 's current response on why they are unfairly trying to change the terms of my student loan because I filled out an application. Let me be clear in saying that I did not understand the forms in which I signed. I have very XXXX XXXX  even with my glasses when it comes to small print, and the print was very small, difficult to see, and hard to read. This fact seems to be dismissed and overlooked. I have stated this many times. I have already sent you my current XXXX  prescription through Congressman XXXX ' office. Also I continue to get the same information/ suggestion about TEPSLF when I clearly stated that I am NOT in any position to do income driven repayment. I am raising XXXX small children and taking care of a sick elderly relative. I am the main source of income for my family and can not afford extremely high monthly payments that could increase over time. 
I contacted XXXX directly when this dispute first occurred. I asked them to send me the repayment terms of my loan. I received paperwork from XXXX. Included in what I received was original paperwork from American Education Services, Direct Loans, and a promissory note from XXXX. Fed Loan Servicing seems to have something different. Included in their response was a document from XXXX saying that XXXX had updated the payment schedule. I have never seen this document prior to Fed Loan Servicing 's response through the CFPB. What I found interesting about the document is that the payment continues to be the same at {$200.00}, but the term was extended XXXX. Even if this document is true XXXX is not XXXX which is the amount of time Fed Loan Servicing is trying to extend my payoff date. I am not paying this loan five extra years at almost XXXX years old on a fixed income. I graduated in XXXX. Fed Loan Servicing continues to say that my loan can not be returned to XXXX, but they have done it for other people in similar circumstances. I was denied loan forgiveness and in the end they would have forgiven XXXX dollars which is absurd. This program is unethical and misleading to the American Public. It defeats what it is set out to do. I am not threatened by Fed Loan reporting delinquent payments to the credit bureau. I am not purchasing a new car or a new house, or looking to get credit cards anytime soon. I work, pay my bills, and have always paid my student loan for many years. I am hard working and extremely responsible. I have been a XXXX XXXX XXXX  in a poverty stricken community for XXXX   years. I am a person of principle, and I will not be bullied by a company who clearly is unjust. I want this loan returned to XXXX under the original terms I had with them, and should not be in this situation because I filled out an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
see attached documents. I am a victim of identity fraud review FTC 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 2019-04-17
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:
two student loans are reporting under my name with out my knowledge, i have never applied to nay student loans, these inaccuracies equifax is the only one that is reporting, i have provided police report and all the other necessary documents to equifax and they still were not able to help me out. 
please you are my last hope this inaccurate student loans are screwing my credit and can not apply to buy a car that i need. 
appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage has granted a 2 week stay of the foreclosure sale of this property. We have an offer to submit. However, repeated calls to Shellpoint Mortgage are not returned. Similar circumstances have prompted previous complaints ( XXXX ). Reached the Loss Mitigation Department, in the XXXX SC office, only to find out that only a certain team is handling this file. No one can provide an update, nor could anyone assist. It turns out that the " Special Team '' handling this file, which the investor is XXXX XXXX XXXX, is based in XXXX, Texas, and that QUOTE : " no work is being done at the XXXX  Office, due to the flooding, until further notice ''.
We have an offer, and no Shellpoint Staff is available to work this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an 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 2015-04-25
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recently disputed a account from XXXX Bank formerly XXXX XXXX Bank regarding a XXXX Consumer Credit Card # XXXX this credit card was fraudulently opened using my personal information. The Bank investigated the matter then removed the account from my personal credit information And furnished me with a copy of their investigation results. However XXXX XXXX Sold the debt to a Collection agency called Pressler and Pressler LLP of New Jersey and this agency keep harassing me about this debt that has already been resolved with original creditor ( XXXX XXXX Bank ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a balance of {$15000.00} with XXXXXXXX XXXX XXXX This debt was transferred over to Capital Management Services in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in XXXX installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to XXXXXXXX XXXX XXXX. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact XXXX, when I contacted XXXX they gave me the runaround and told me the account was with Capital Management. I had no other choice but to mail XXXX the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with Capital Management, yet they still claimed I had an open balance minus the difference of the 3 payments made.

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 2018-02-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX  XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law. 

I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.

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 2019-07-18
Company: CURO Intermediate Holdings
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:
I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Avio provides me with competent evidence that I have any legal obligation to pay them. I am asking the Avio to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5.  Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Avio immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I also demand that the XXXX XXXX XXXX agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Avio agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to emergency room early Saturday morning to get a pain killer and for XXXX in XXXX 2015 ... ... Doctor said nothing could be done until blood test results provided on Monday ... best to see my Primary Physician on Monday. 
Hospital charged my XXXX account over {$2500.00} for a XXXX visit to ER visit and I did not pay my CO-PAY ... XXXX NO medication was @ hospital. Saw my PCP on Monday and he took care of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX  fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank is.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXXXXXX XXXX in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.

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 2019-11-28
Company: Risecredit, LLC
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:
My name is XXXX XXXX SSN : XXXX and my complaint is against Rise Credit, account open XXXX XXXX date closed XXXX XXXX, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that RISE has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of RISE negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against RISE or whoever their mother company is. Im also including on this complaint XXXX XXXX XXXX XXXX because in the report in RISE information the address they have is from the mentioned company. An Im also including XXXX   because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This complaint is about how I had ordered a product on XXXX and the person I sent my money to ( through XXXX on the Bank of America app ) never sent me my product. This is completely unfair as Bank of America does not even have a proper warning of how they do not have any kind of fraud protection. Not only do I believe I deserve reimbursement for the {$210.00} I lost cause of this important knowledge Bank of America failed to correctly advertised, but I also believe this needs to be something that is extremely clear for all users of the Bank of America application. For such a trustworthy bank I thought there would be protection for something like this and I am extremely disappointed in my experience with this bank so far.

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 2017-08-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called XX/XX/XXXX to request that account be closed before annual fee posted. Agent said 'their systems were down ' so she could n't give me a confirmation, but assured me the account would be closed and there would be no annual fee charged. No surprise, the card was not closed, the fee was charged, and they are refusing to refund it saying they have no record of my call and their systems would ALWAYS magically have a record of the call even if the systems were down.

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