BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Medical Data Systems. This company has opened accounts using my personal information with no authorization from me. These companies have reported that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. Medical Data System sent my personal medical information to me without a personal contract between them and I to hold my personal information within their company. This tactic is listed in the U.S. and State Law as identity theft and a HIPPA violation. These companies used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. I sent validation letters to this company requesting a signed agreement between us allowing them to open accounts in my name and they could not. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.

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 2022-01-30
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX I have 2 inquiries showing on my equifax report which are not mine and i do not have any open accounts with them. 

XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX I tried contacting them with no luck removing these unauthorized & frivolous accounts. 

XXXX XXXX XXXX I also contacted XXXX funding for removal of the collection accounts as they failed month after month to provide proof and have not been able to verify that the account is mine. 

I have no accounts nor have I have ever done business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions 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:
This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2022-01-30
Company: U.S. BANCORP
State: OK
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:
Every time I apply for credit they keep the inquires on my report. I need those off of my report. I should not be penalized just for applying for 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 non-monetary relief
Consumer complaint received 2020-06-12
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: Their investigation did not fix an error on your report

Complaint:
i am contacting you today to dispute the following inaccuracies on my credit report. 
1. XXXX XXXX XXXX is showing a missed payment in XXXX, XXXX and XXXX of XXXX in the detailed layout of my credit which is a broken verbal contract by lender to not show. as them and I was in early pay off negotiations and my payment history is XXXX percent else where ... this has been disputed several times to no avail. 
2. XXXX XXXX is a fraudulent account and removed from XXXX but showing on XXXX  which affects my credit score and needs to be removed from all credit bureaus. 
3. XXXX XXXX XXXX is showing 3 closed accounts that are only on 1 bureaus report and inaccurate and need to be removed from all credit reports as the balance reports dates should have been in my bankruptcy 4. Hard Inquiries by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are fraud and or not authorized. 
5. XXXX XXXX XXXX has been closed 11 years although just reporting closed and needs to be removed as it exceeds 6 years and 11 months

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 2018-06-13
Company: Pioneer Law Firm, P.C.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I recently paid off, after four years, a credit card consolidation debt resolution program. I entered this agreement with Pioneer Law Firm, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone number XXXX ). 

My account has been paid in full. I was informed on XX/XX/XXXX, by XXXX, that I had a balance of {$2800.00} left in my account. XXXX told me, however, that I owed {$23000.00} on the account to XXXX  XXXX XXXX, or their legal agent. So, I told her I wanted all drafts from my checking account stopped, the account closed, and a refund of the {$2800.00}. 

A week later, on XX/XX/XXXX, I spoke to XXXX. He told me the money ( {$2800.00} ) would be deposited in my account between Wednesday and Friday ( XXXX XXXX ). 

On XX/XX/XXXX, I was informed by XXXX that now there was only {$2600.00} in my account due to administrative fees. After more than an hour on hold, speaking to XXXX, then another hold, I wrote Pioneer an email explaining this situation. The last I was told was that another department had to handle the cancellation. 

Subsequently, I have received only inconsequential emails from Pioneer and played phone tag with a man named XXXX XXXX, with no resolution in sight. 

In short, after four long years, and over {$30000.00}, I have come to find out that Pioneer has only settled about {$20000.00} in debt. Our agreement was to settle over {$43000.00} in debt. Pioneer Law Firm did NOT uphold its end of the bargain. Therefore, I am lodging this complaint. I asked for a refund of what was left in my account, and I was told it was on its way. I was told that I still owe over {$23000.00} on this account. How could that possibly be? 


Consequently, I want the {$2800.00} Pioneer Law Firm had in my account when I asked them to send me a refund. And, finally, I want the {$23000.00} taken off my credit report, which is what Pioneer Law firm was supposed to be doing the last four years, While I was paying them {$630.00} a month. 


I mistakenly mailed this letter to XXXX, XXXX on XX/XX/XXXX. I will also mail and fax this information and the relevant documents to you. 


Thank you for your kind attention.

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 2022-01-30
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: Reporting company used your report improperly

Complaint:
This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX points at one time ( from mid XXXX to XXXX ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.

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 2022-04-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed on XX/XX/XXXX that my XXXX credit report had three different collections on my account, all from energy companies located in Texas, where I have never lived or ever heard of. One was from the collector XXXX XXXX XXXX, from the original creditor XXXX XXXX XXXX XXXX XXXX for the amount of # XXXX. I had received collections letters in the mail from this collection, and I followed up by calling XXXX XXXX XXXX XXXX XXXX notifying that it was fraudulent or a result of identify theft and they made note of it and asked for my social security number to report it to the credit bureau, which I did not feel comfortable providing. 

The two other collections were from the collector TRANSWORLD SYSTEM INC/ and Original creditor : XXXX I never received any letters or other notifications for these collections. 

I disputed these collections through XXXX on XX/XX/XXXX, and two were removed, however one of the collections from TRANSWORLD SYSTEM INC/ remained. This remaining collection is for the amount of {$280.00} that opened on XX/XX/XXXX. I then followed up with XXXX to ask what else can be done about this collection as it is a result of identify theft, and they recommended that I file a complaint myself with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: AES/PHEAA
State: PA
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:
I graduated college in XX/XX/XXXX, I started working as a teacher in XX/XX/XXXX. I had four kids with a {$46000.00} salary. I could not afford my student loan payment. I called them, they told me to put my loans into forbearance. I started XXXXXXXX XXXX  the following year, my loans were forced into deferment without my knowledge. I had no idea that I could have opted out of a deferment or that I would even qualify for a {$0.00} payment which would have counted towards my Public Service Loan Forgiveness. I heard about XXXX and that my payments could be {$0.00} so I contacted Fedloans again in XXXX. They told me that the best thing to do was consolidate my loans so I did. because of this, I am having difficulty removing the Deferment and Forbearance on my accounts from XXXX until XXXX which would allow my years of service as a teacher to count towards XXXX. I have proof of my income from XXXX until now. My payments were always eligible for XXXX and should have been {$0.00} per month. I should have 6 years of payments counting not 2 years. No one will help me, I have reached out to them through email, and XXXX. And, I can not get them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I made a dispute to XXXX XXXX XXXX regarding a report from Bank of America that states I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' on XX/XX/2018. This information creates a false impression that I was attempting to commit fraud, whereas I was trying to make a quick transfer between an old and then, new bank during my time of travel, in order to have immediate access to my funds. Unfortunately the deposit was not made in time to satisfy the amount and the account was closed thereafter. The account took no loss, as I was awaiting the deposit with no attempt to withdraw the funds prematurely, and there was no balance owed to the bank. I had spoken to a couple of bank employees that even stated that was a common problem between the bank and its consumers, therefore leaving the consumer with false reports that can last several years.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: FL
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:
To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX  made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXXThis account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by Experian Credit Reporting service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX  Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely 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 explanation
Consumer complaint received 2020-06-12
Company: Bread Financial Holdings, Inc.
State: UT
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:
ComenityBank/Victoria Secret is reporting a XX/XX/2020 & XX/XX/2020. late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount

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 2022-01-30
Company: Experian Information Solutions Inc.
State: LA
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:
I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.

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 2022-01-30
Company: Experian Information Solutions 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:
I have contacted each company listed below as well as Experian, XXXX, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : EXPERIAN 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 I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.

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 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX collection account is reporting on my credit for a long time. I disputed this account several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any account under my name, social security number, addresses, previous phone numbers, date of birth ... All personal identity information was provided and they never found me on their system but still reporting the false and damaging account on my credit as verified and accurate. I requested in writing several times a validation of debt such as signed contract but credit bureau and the creditor never complied. Transunion and XXXX continue reporting inaccurate and invalid information on my credit without any valid reason.

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 2023-03-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attachedXXXX XXXX XXXX XXXX XXXX Balance {$9500.00}

Company response to consumer: Closed with explanation