BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening, I have been disputing with a collection agency by the name of ARS Account Resolution. They have reported to XXXX and XXXX   that I owe this medical bill in the amount of {$1800.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as this will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ARS Account Resolution. As well as hey stated requesting a HIPAA Authorization with my signature. NO REPLY.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if ARS Account Resolution can not validate the debt, they must request that all crediting reporting agencies delete the entry.

Again, they have not sent any evidence nor have they responded to any of my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX  XXXX made on XX/XX/2023 in the amount of {$190.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX as I was buying XXXX XXXX  tickets on the XXXX website there was an offer for cash back on the tickets if I got a credit card. I applied and got the tickets. The next month, I received the credit card, a letter about an error, and the bill with no discount on the tickets. I spent a day calling to get a customer service representative to find out how much to pay. I finally talked to XXXX XXXX she took XXXX $ off and took payment for XXXX $ from my checking account and closed the account for me. I thought that was the end of it. In XXXX I responded to an email and got no response. In XX/XX/2023 I got a bill for XXXX XXXX I again spent a frustrating day trying to get through to customer support and finally talked to XXXX who filed a dispute. I got no response from that. Ever since I have been harassed by phone calls that just lead to recordings. I wrote to them in XXXX but get no answer.

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 2020-04-24
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the collection agency L J Ross as well as XXXX XXXX XXXX. both would not remove this fraudulent charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Medical Data Systems, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent in a dispute to Med Data Systems and asked them to verify a debt that is currently reporting to my consumer report that i do not recognize. Account number # XXXX My Tracking number for this dispute letter is # XXXX. Med Data Systems did not respond to my letter. I even gave them a little extra time to respond to me because i knew the letter had been received. I request this account be removed from my consumer report as Med Data Systems did not follow the time-frame laws set forth by the FCRA. It has been well over 30-45 days. Attached i have proof of my dispute and tracking details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXX A XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX WY XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} NAVIENT XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX  XXXX XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated college in 2011 with about 25,000 in debt. I was misled regarding student loans by sallie Mae now navient as they told us that my mother could co-sign but later be taken off when I demonstrated that I could pay consistently for a period of time. We were also misled about rates and repayment options causing us to accrue thousands and thousands of additional debt. I have now paid my loans consistently for years and owe over 40,000 of debt. My mother is still a co-signer and we have been told now that she will never come off as a co-signer. This company misled us causing thousands of dollars of debt that should be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
-This debt creditor ( CAPITOL ONE ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Binance account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. Experian and XXXX  is reporting a collection account for XXXX XXXX. 

Thank you

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 2019-04-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax XXXX XXXX, XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 I have not authorized these companies to run nor check my credit and it has cost me too have my score drop tremendously, I need to have these removed immediately off my credit so I am able to move forward and looking forward towards purchasing a new home but I can't due to my score that is being affected because of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hello, I am a victim of identity theft. Someone has been hacking my accounts since the beginning of the year and I have called capital one to make several complaints. I have opened several claims with them but whenever they deny a claim, they never give me any type of investigation process or proof. I think it's completely unfair that they can just deny claims when I am literally telling them that I did not authorize these transactions. Can you please have them reinvestigate these claims and give me my money back. 
# XXXX # XXXX # XXXX I did not authorize these transactions and I have told them multiple times. Because of Capital One 's irresponsibility, I faced an eviction and lost my home. 
Please have them rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am filing another complaint because the cfpb closes a case when there has been no resolution the company sent a letter saying they can cancel or terminate my card without any reason per the agreement. I have also read the same agreement and I have read the consumer protection laws and they clearly stated it is discriminatory to make major changes to ones credit card without giving 45 day written notice which they still have not. And they still have my acct as open they even filed with the three credit bureau as open So them saying they can cancel or close anytime would be fine. But if they choose to keep it open yet restricted. That is biased if they have it open I have a right to use it. I am legally right in every aspect and will do everything in my power to not let them get away with this these are the type of things we as consumers should be protected from regardless how big the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-10-15
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 was looking at my credit report today XX/XX/19 and I saw that there are four inquiries that I never made. The inquiries are the following. XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19. None of those inquiries are mine and I did not allow anyone to run my credit. I did not authorize those companies to run or access my credit nor do I have any written/verbal contract of any sort with any of those companies. I don't know who is responsible for this but I have already filed a police report in hopes of getting to the bottom of this and to clear these inquiries off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and I realized I had damaged on my credit report. According to the 15 USC 1681 law, I should not have any damage on my credit report it is a defamation to my character. I have all these hard inquiries on my accounts. I also tried to dispute collects on closed accounts that was not up to my knowledge. I have sent in many letters and have not been helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I want to start off saying I've been sent here from the XXXX stating they could not help with my situation. Though I've been trying to get on an income driven repayment plan for over 5 years now. Maybe longer. Though I've contacted fedloans at the beginning and they stated multiple times I'm missing something even though I've double checked everything and I still get declined. After a certain point the only thing I could have done at that point was keep halting my payment. 2 years ago I noticed they had the option to finally sign for it online with the IRS. I did and I got declined for it for not idea as to why. When I contacted them they themselves couldn't understand why I was declined either. I never got an actual answer to the problem. Last year I signed up again and I actually got approved for it and I was so happy I could finally get this fixed in someway. Whoever I talked to at the time stated I needed to make an actually first payment of XXXX $ to have it converted to the plan. I did so on a date I clarified if that would be ok to the person I was talking to. They stated yes and I was happy to hear that. I did call a couple times to clarify if my account is switching to the new plan since I kept seeing a late charge still on my account. Everyone I talked to stated yes it will changed. I was relieved to hear that. So after a certain point I saw the charge go away and excited to see the new payment. After the month I saw the payment revert back to the old payment. I was confused and really annoyed, angry, and disappointed that fedloans hasnt done anything. I called and they stated that I needed to make a {$5.00} payment to get the payment to revert ( which I knew about, but no one stated anything about this payment ) I told then I made a payment already for XXXX which should have been for the revert. They stated if I wanted to use that payment to use it for the revert fee. I befuddle on that question after telling them that exact answer. I stated yes and they stated they will put something down to get that fix. Cut to a month or so later I get an email throw my fedloan account on their site and they stared that it was decline. Why you may ask. Because I did not process an actually payment for this charge. At this point I dont know what to actually do at this point and I have yet to call them. I also wanted to state I have emailed them throw XXXX since they have an actually email option for contact on their site, but to this moment I have never gotten a response back. I have told them about it when I call, and they only say that's weird that no has responded like that is suppose to fix the problem, but that is basically what's going on and I dont know what to do. They marked me as a delinquent on my account, but I legitimately have no idea what to do at this point except keep halting my payments I'm trapped at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been a discover card member since XXXX without issue. 

On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my card at XXXX XXXX XXXX XXXX XXXX XXXX. I have never purchased anything from XXXX XXXX XXXX. I noticed these on XX/XX/XXXX and called Discover right away to alert them to the fraud. The day after I alerted discover ( XX/XX/XXXX ), 4 more fraudulent charges came in from XXXX XXXX XXXX. The following day ( XX/XX/XXXX ), 4 more fraudulent charges came in ( again! ) from XXXX XXXX XXXX. I called discover again on XX/XX/XXXX inquiring why they are continuing to allow these charges to come in. They said that they made an error processing the original fraud alert. I requested to speak to a supervisor. They indicated a supervisor would call back within 24-48 hours. A supervisor never returned my call. I called back on XX/XX/XXXX to speak to a supervisor again. Again I was told 24-48 hours. Nobody returned my call. I called back on XX/XX/XXXX. Again, I was told 24-48 hours. Again, nobody returned my call. 

It appears that Discover has still not opened an investigation into this matter. Nobody returns my calls and I have no way of knowing what is going on with my account. To prevent further fraudulent charges from XXXX XXXX XXXX, I was forced to close my discover card on XX/XX/XXXX. 

I am very disheartened to see that discover does not investigate fraudulent purchases.

Company response to consumer: Closed with non-monetary relief