BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My son was taken to the hospital by his mother XX/XX/XXXX of XXXX. At that time my son was also covered under his mothers health insurance. A bill was sent out under my name ( XXXX XXXX ) mistakenly instead of his mothers ( XXXX XXXX XXXX ) on behalf of XXXX XXXX Medical Centers mistake. This has not been their first mistake before. My sons mother was XXXX  from XX/XX/XXXX through XX/XX/XXXX. Every medical bill was sent in his mothers name entirely always until he was placed in my custody XX/XX/XXXX and was placed under my medical insurance. XXXX medical center mistakenly put my name on the bill and was sent to collections and I was not aware until it hit my credit report and seen this beginning of XXXX. I filed 3 disputes to 3 credit bureaus whoa re investigating it. I reached out to XXXX medical center of XXXX Ohio and said they would transfer the bill into my sons mother name but can not do so  now that the bill was sent to collection. So now here I am almost a 800 credit score never missed a payment in my life and fighting to a bill that was not mine, if it was I would have taken care of it. XXXX Billing department told me that whoever brings in the child is billed, they told me my sons mothers name was on file who brought him in and should have been billed on. I came shortly later and payed the emergency room bill to help provide for my son. So my credit score takes a 100 point deduct and Im left to bare of that why? I find this very wrong and I dont care for the bill I will take care of it if I have to but I want my credit report and score fixed. I should not have been held accountable. Someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've submitted documents to Mohela to recalculate my IDR for payment starting back in XXXX on XX/XX/XXXX. I received correspondence via email from them that I needed to call them and additional info is required on XX/XX/XXXX. I've called everyday through today XX/XX/XXXX trying to get a representative. Each time I'm routed through the automated phone system until the system just hangs up on me and says goodbye. I have tried every method I can think of to get a hold of them. I have waited on hold hours to never be connected to a representative and have requested a call back only for the system to tell me an error occurred and I can't receive a call back at my number. So then I attempted to contact them via messaging thru their app/email, which I come to learn, does not exist. No messages can be sent through their website. This is absolutely ridiculous and the worse NON customer service I've ever experienced. There does not seem to be any way to resolve anything or get a hold of anyone to figure out my next steps. What am I supposed to do to fix this? It's unresolvable on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent CAINE WEINER a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTD, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXX XXXX CAPITAL ONE CREDIT CARD has declined me XXXX other times same reason as listed below. 
Hi, thank you for your interest in the Walmart credit card. 
We reviewed your information and, unfortunately, we can't pre-approve you for a Walmart credit card at this time. 
Here are some of the reasons why we couldn't match you with this card offer : Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement Creditor : Capital One, N.A. 
XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX CAPITAL ONE Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status No Info Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks XXXX XXXX XXXX Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

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 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 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I sent my FTC report, Florida driver 's license to Experian, XXXX, and XXXX. I have notified them about fraudulent accounts on my consumer 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 2023-02-12
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inaccurate credit inquiries from On XX/XX/2022, XXXX XXXX XXXX  On XX/XX/2022, XXXX XXXX XXXX On XX/XX/2022, XXXX XXXX On XX/XX/2022, XXXX XXXX Tried several times and reached out to the company certified letters I do not have an open account with the company ..Please remove inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 I sent Experian, XXXX, and XXXX a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt 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 2023-04-26
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX a natural person is writing to dispute inaccurate information on my credit report. The information in question relates to an account with XXXX XXXX, account number XXXX. 

The information provided by your agency regarding this account is inaccurate in several ways. Firstly, the date the account was opened is listed as both XX/XX/XXXX and XX/XX/XXXX across different credit reporting agencies. Secondly, the date of last payment is also listed differently across different reporting agencies, with dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being reported. Additionally, the reporting date is listed as XX/XX/XXXX and XX/XX/XXXX, which is also incorrect. 

Furthermore, one of the credit reporting agencies is reporting the account as paid off, while another is reporting it as derogatory, which is contradictory and inaccurate. 

According to the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Additionally, Section 623 ( a ) ( 2 ) of the Act imposes a duty on furnishers of information to provide accurate information to credit reporting agencies. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022 I sent XXXX, XXXX, and Equifax a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am writing to bring to your attention a concerning situation involving my application for an American Express XXXX Card. Despite successfully applying for the card, I never received confirmation of approval or the actual card itself. Subsequently, unauthorized usage occurred on the card, resulting in fraudulent charges and an account that was sent to collections. 

Here is a concise summary of the events : Application : I applied for the American Express XXXX Card through the designated application process. While I received an acknowledgment of my application submission, I never received any further communication confirming approval or the mailing of the card. 

Unauthorized Usage : To my surprise, I discovered that unauthorized transactions were being made on the American Express XXXX Card, indicating that the card had been issued and was being used without my knowledge or consent. This raised serious concerns about the security of my personal information.

Card Theft : It became evident that the card had been mailed out to an incorrect address. Unfortunately, the card fell into the wrong hands, and an unknown individual stole the card to initiate unauthorized transactions.

Account Closure : Once I became aware of the unauthorized activity, I immediately contacted American Express to report the fraudulent charges and the unauthorized usage of the card. The account was subsequently closed to prevent any further misuse. 

Collections and Damage : Despite taking swift action to report the unauthorized usage and close the account, I was informed that the account had been sent to collections due to outstanding charges that had accumulated as a result of the fraudulent transactions. The total amount sent to collections is {$1400.00}. 

Ineffective XXXX XXXX : The card 's issuance to the wrong address, coupled with the subsequent unauthorized usage, underscores a severe breakdown in the card delivery and security processes. 

This situation has caused significant distress, financial burden, and damage to my credit. I am seeking your assistance in resolving this matter promptly. I believe that the circumstances surrounding the unauthorized usage of the American Express XXXX Card are a result of systemic vulnerabilities in the card issuance and delivery processes, which require a thorough investigation to prevent similar incidents from happening to other consumers. 

I kindly request that you investigate this matter and work with American Express to rectify the situation, including the removal of the erroneous charges from collections, restoring my credit standing, and addressing the security gaps that allowed this situation to occur. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in safeguarding consumers ' financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ncb called me the other week stating that I owed them some much money but I do not owe that amout they sent me documents but there wrong documents um

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : CPS/XXXX Amount : {$500.00} Date Opened XX/XX/XXXX This shows it's a debt for an Auto Loan.

It still shows that I owe money to my loan which I do not. I have completely paid off this loan back in XX/XX/XXXX It is also showing several late payments as well that is uncorrect. 
I have called this creditor to get this resolved they mentioned they would remove lates and update the system to show paid but this is still reflecting on my credit report that I owe. 
The company has provided me a Letter of proof stating that this debt has been paid. 
I would like to request this debt to be Updated to show XXXX balance owed including removing falsely lates. 
Please let me me know what I have to do do get this removed especially since this debt has been paid and I have proof of the letter attached. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Out of the blue, I started receiving many many calls from a company I did not ever heard of. The person on the phone spoke broken English so thinking t his was a scam, I kept hanging up. Months later, I received a harassing call telling me my student loan was going into default if I didn't start paying. I asked where the person was calling from and was told The XXXX. I asked how and why he had my information since I am a US citizen who attended school in the US. I have no idea what he said since I could not understand him. I gave him my banking and routing information so that payments could be deducted monthly. I looked at my bank statement and saw nothing was deducted. I called Navient, I was told this was the name and asked why payments were not being deducted. The csr stated the information was applied incorrectly so he took down the banking information again. Again, nothing happened and now I have been reported to the credit bureaus for late payments. I called Navient very upset but nothing could be done I was told. I immediately began looking for another lender and found XXXX XXXX. I am beyond upset. I was paying a company out of my own country that had my private information without my consent who could not communicate clearly in English who reported me to the credit bureaus when I furnished the information. I wirk for a non-profit organization and this was not considered when assessing the high payments they expected me to pay.

Company response to consumer: Closed with explanation