BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. 
The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

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

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: STERLING JEWELERS, INC.
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Sterling Jewelers / XXXX XXXX provide a Credit Card option. Once you receive you card you are able to sign up for paperless billing statements delivered to your email. This service is provided by all of my credit card companies which I opt in to allow me to manage my payments and credit line accounts as I am certain that many folks do. Sterling Jewlers however continues to fail to send the e-statements yet are able to send multiple ( up to 5 per week ) sales promotional emails. It would be interesting to see if this is a common practice by the company to bilk consumers of money by assessing late fees or if they actually believe they are sending the e-statements yet have a system flaw which could have an adverse experience to someones credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae continues to call me every hour on the hour for an account 30 days past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EAST WEST BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX checkings and XXXX saving account with XXXX Bank before and now they merged into East West Bank. XXXX of my accounts has been charged service fee every month after they merged into East West Bank without any notice. I called the bank but they refused to credit me back the service fee and they were saying that I supposed to maintain {$2500.00} on each account. I told them that I did not receive any communication about these charges and I have been with the bank since XX/XX/1994 and never have this issue before. I ended up have to closed out all my accounts and only get two months refund back which is a very unpleasant experience.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}

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 2021-12-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have continually tried to contact fedloans.gov to confirm that my PSLF form has been submitted and receive information regarding my loan payments. each time that I call, if I stay on hold, I am on hold for over an hour and when the phone is finally answered it automatically hangs up on me. If I request a call back, it has taken as long as 3 hours to receive that call, and no one answers the line when I pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2019, I applied for an American Express XXXX XXXX card and 1 hours later called Amex to cancel the opening of the card. The card was never sent or activated. 
3 months later, with better credit I applied again directly on American Express website. 

During the 2nd application process on their site it never told me they would NOT honor the 15 month 0 % purchase APR all other cardholders get.The site only told me I would not receive the cash intro promo. This is false advertising. Had I been told directly on the page I was NOT going to get the Delayed interest APR I would not have applied. FALSE ADVERTISING. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a double payment in error for the month ofXX/XX/XXXX on my mortgage with CIT Bank. I contacted the bank to correct the issue and specifically asked to apply the extra payment to my XX/XX/XXXXmortgage payment. I specifically asked that the bank not mail a check for refund as I did not trust that the check would reach me. CIT Bank reversed both of my XX/XX/XXXXpayments then indicated that they have mailed a check for the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery keeps calling and when you answer, they say, please hold. Receive numerous emails threatening to arrest and garnish wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This issued was reported back In XXXX against the Chase Bank for allowing a wire fraud to take place and helping with the criminal activity. 
On XX/XX/XXXX a wire transfer for real state closing was initiated from XXXX XXXX XXXX. 2 hours later the wire details were indentify as fraud and the bank initiated the swift recall. 48 hours later on XX/XX/XXXX after the holiday the manager of the XXXX XXXX XXXX  in windward is advised the funds are frozen at chase due to name discrepancy and fraud alert. 20 days later the chase releases the money to the fraudster and closes the account. 
The bank refused to cooperate with me or the wells fargo but after the investigation of the XXXX police department cyber crime division found the account was open at the chase bank by a person with virtual number and non existing address. 
The Wire transfer was sent to the closing attorneys and the bank paid it to a different person accordingly to the records and closed the account to avoid being trace. This proves the bank did cooperate with this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry. 
The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request. 
What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Mortgage Research Center, LLC
State: AR
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:
On XXXX XX/XX/2020 Veterans United Home Loans pulled a hard inquiry on my credit report without my permission or knowledge. I talked to them today and they told me that they do not require permission to do hard inquiries. They are unresponsive and unwilling to do anything to fix it.

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: BANK OF THE WEST
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:
Bank of the West : XXXX XXXX I paid this account off almost a year ago and they are still reporting and updating my credit report with an open balance.The company is currently in violation. This needs to be fixed immediately. This has been negatively affecting my credit score over this past year. Remove this negative account off of my credit 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 2021-12-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, my name is XXXX XXXX, I have a son XXXX XXXX with XXXX XXXX. He receives Social Security benefits monthly. I have a bank account at Wells Fargo together with him. Recently my computer was hacked and money was sent out from this account thru XXXX at Wells Fargo to my name and my other son 's XXXX only received the initial {$5.00} but not the {$900.00}, I was supposed to also receive {$100.00}. Upon investigating the fraud department from Wells Fargo denied the restitution of the money hacked .Total of {$1000.00}. XX/XX/XXXX was the day that this happened, I immediately called the bank and the account was closed. I also deleted the XXXX receipients. Wells Fargo never asked for my XXXX XXXX  XXXX statements and my other son 's XXXX to see if the money really got deposited into these two accounts. I am very upset, the only money that my son XXXX receives and saves due to his illness. Please try to help and Hopng to hear from you soon I send my regards Thanks 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 monetary relief
Consumer complaint received 2021-11-22
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid 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:
On XX/XX/XXXX I applied for a Consumer Credit Card and a XXXX Credit Card. I was instantly approved on XX/XX/XXXX for the consumer card with a {$11000.00} limit. 7 days later i was denied for a XXXX XXXX. I spoked with XXXX on XX/XX/XXXX who advised me that the XXXX XXXX couldn't be approved. He also advised, he was going to submit my application for a personal card back up for review. I activated my card on XX/XX/XXXX and tried to use it on XX/XX/XXXX. Now i am unable to use my card, login online to see my account. I asked XXXX, since I am denied a business card, does this have any bearing on my personal card and he stated " no ". That was a lie. he straight up committed retaliation. How can you instantly approve me for a personal credit card and then play these childish games. I plan on taking taking court action against, XXXX, the underwriter who retaliated against me. I have contacted XXXX to file a complaint. I will also be filing a lawsuit against the bank, XXXX, for defamation of character, and making or assuming false assumptions. The underwriter, XXXX, I will file a lawsuit against him for defamation of character. There was absolute no reason whatsoever to display this kind of behavior or actions on my account. Every time I reach out to the fraud dept or the XXXX dept. I am always told that my account is in review and respond with " I dont know " They wont answer any of my questions and ignore what i say. They will repeat in circles and stay vague. I will also sue the bank, FNBO for tarnishing or damaging my credit report on all XXXX credit bureaus. This has been the worst overall experience i have ever encountered with a creditor.

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 2017-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am called at least once a day, frequently multiple times a day, by Portfolio Recovery Associates, always from a different number. I do not know what debt they are trying to collect as they will not make any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX account number XXXX has multiple inaccuracies. 
1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being XXXX in bankruptcy. So the company has been reporting activity on a XXXX debt. This is a validation of the Debt collection privacy act. 
By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

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 2017-09-27
Company: Phoenix Financial Services LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial XXXX called me Saturday night at XXXX about a debt that was already paid regarding XXXX XXXX XXXX XXXX. I informed them that I paid the remaining portion after insurance and they asked for a receipt. I told them I would send one to them. The next day I found this debt on my XXXX credit report. They reported it before even receiving my receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE IMMEDIATELY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has literally ruined my life.they have reported my XXXX XXXX XXXX closed and delinquent. They reported I disputed XXXX XXXX. This is incorrect information. XXXX XXXX have removed bankruptcy from their file transunion will not remove it, they will not update my person information with verification. They will not remove XXXX XXXX. I don't know why transunion is reporting incorrect information on my credit report. My account has been closed due ton Transunion reporting incorrect information I'm unable to buy a home due to transunion reporting incorrect information. No credit card company is reporting anything negative on my credit 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 non-monetary relief