BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern, I received a bill from you on XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is an alleged debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation 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 and accept this letter, 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. 

Also, note that the Texas Statue of Limitations is 4 years. The alleged debt is 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America refuses to acknowledge validity of claims filed during the past several weeks. They have, in fact, taken money from the checking account, claiming the claim was reversed. However, all merchants that we have been in communication with were willing and confirmed that I should have received funds for these claims. 

For reference, I will provide you with the claim numbers, given by BoA : - 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 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out to yall, because I have sent out dispute letters Informing the credit bureau XXXX of the inaccurate information being reported. I have updated all of my personal 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 explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
Delete Hard Inquiries 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 2023-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-01-10
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am an XXXX rewards customer. # XXXX. In XX/XX/XXXX, there was a promotion for a XXXX XXXX underwritten by XXXX XXXX XXXX XXXX XXXXXXXX. 

I was approved and at the same time purchased an XXXX XXXX XXXX pass for {$490.00}, with a virtual XXXX card ending in XXXX. 

I receive several emails from XXXX about my account in which I have a preferred XXXX however, I never received the card as of XX/XX/XXXX. 

My concern is I never received the card, I have at least a {$490.00} balance that I have no clue about my card number nor how to pay, and that now I will be delinquent as never received anything from XXXX. 

When you try to call XXXX it's just a number where you have to provide the whole account number, and no Customer Service is even available. 

So on XX/XX/XXXX, I called XXXX XXXX rewards at XXXX and talked to XXXX who was very nice and gave me a number for XXXX of XXXX. This number is a bad number as it just says XXXX does not service XXXX anymore as of XX/XX/XXXX and just refers to a website/Amtrak which is the same site one signs up for, thus a merry-go-round. 

I called back XXXX and said i need this stepped up to operations as i used to work for XXXX and that I will have to file a complaint with CFPB. Since I was in investigations and worked credit card fraud, i know how this works, however, without ever getting to XXXX, to a live person, this will never get resolved due to really poor communication, thus if I am harmed and have damages, I will have to sue both XXXX and XXXX for false advertising and tort claims due to a hit and late charges on my credit. 

I am attempting to resolve this prior to any action. All I know I have a XXXX with XXXX and XXXX with an account ending in XXXX, under XXXX XXXX, which is the same as the XXXX rewards #. 

I confirmed with XXXX my address is correct, XXXX XXXX XXXX # XXXX XXXX XXXX, AR 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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX There is incorrect information like this in my report and I want it removed

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 2023-09-07
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I applied for Pslf XX/XX/XXXX. I submitted the application through fax. I have the receipt from the fax. MOHELA states I need to work with Federal Student Aid. FSA states that I need to work with MOHELA. Each time I call, Im on hold for over 30 minutes and the customer service rep does not seem to understand or be of help. I am told to re-apply but then I will be past the deadline of XX/XX/XXXX. I dont know what to do now.MOHELA site shows that I faxed the application. FSA site shows I never submitted the employer verification form. I still have the copy if it needs resubmitted, but I cant get an answer on what to do. 

Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I closed a checking account at Regions Bank. I was given a cashiers check for the total balance. Two days later on XX/XX/XXXX the account was automatically reopened because of an interest payment of XXXX XXXX XXXX. I was not notified that the account had been reopened. On XX/XX/XXXX an {$18.00} low balance fee was incurred. I tried to resolve this issue by speaking with two different customer service representatives, but was told I would need to return to the bank in person to resolve this issue.

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 2020-07-30
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When paying a moving company they wanted to be paid using XXXX thru my bank, US Bank. Since US Bank 's website states " With US Bank and XXXX you can send or receive money safely and securely '' I felt comfortable with this. On XX/XX/20 I sent {$460.00} via my bank and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The company confirmed receipt of the {$460.00} but never delivered the piano. They don't answer their phones. I filed a claim with US Bank and they denied it saying " the transaction posted as requested ''. The email used for the transfer was XXXX. Apparently XXXX does not offer fraud protection on transactions. 

Hopefully the info above is enough. Please contact me if more info is needed. I was not sure what category to report this under so hopefully this works. 

Thanks- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-05-04
Company: Experian Information Solutions Inc.
State: SC
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:
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 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 an 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 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 2023-11-15
Company: EQUIFAX, INC.
State: AL
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:
Letters were recieved in XX/XX/2023 i Called today which is XX/XX/2023 No actions have been taken By the company. Compant which is XXXX Keeps hanging up. i have recorded call of them hangimg up on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: COMMUNITY BANK SYSTEM, INC.
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir, Madam, or Their, I am a XXXX  and I over drew my account. I have asked the bank to supply me the number and address they have sent my account to or let me know if we can set up a repayment plan. I think the fees are excessive. They have completely ignored my request. So now I can't pay off the money and I also can't open up at a bank that will give me overdraft protection. They just ignore me please help. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: International Computer Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved from XXXX over 2 years ago and was never notified I had a bill that was pass due. From my knowledge I paid the last bill before I relocated to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all three credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in 2022. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card
Sub-product: Store credit 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 reached out to XXXX XXXX for work to be done to my home. XXXX XXXX sent me to Greensky for an approval and I was approved for {$10000.00} upon the completion of the work done on my property. XXXX XXXX reached out to Greensky for payment, however the ACH transaction to fund the project was returned because the account was closed. I will attach the email showing the funds was never released to the contractor account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: MOHELA
State: UT
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 am encountering a number of egregious practices on MOHELA 's part to prevent me from qualifying for PSLF. I've been working for 10 years without a gap in employment in public universities and now that I have actually met the 120 qualifying payments, the first issue I encountered with MOHELA was they somehow missed counting 5 months of my certified employment ( which was odd since I saw the paperwork provided by my employer and dates were typed and difficult to misinterpret ). I called MOHELA 's PSLF department on and had my form re-processed on XXXX and on XXXX my PSLF tracker reflected 120 qualifying payments. The second issue, and the most egregious, is now that MOEHLA acknowledged my 120 qualifying payments and while I thought my account was being reviewed by the Federal Student Aid department, I was just notified ( XXXX ) that MOHELA put my account on an " Administrative Forbearance '' which was applied retroactively to my XXXX and XXXX payments ( which was previously a qualifying payment, I have documentation of this ) now putting me at 119 qualifying payments- coincidentally one payment away from qualifying for PSLF. I don't know how it is legal to put my account retroactively on an administrative forbearance, without any information or consent, and take away my qualifying payment?! I have copies of my 120 qualifying payments in their system since I printed the pages to pdf and documentation of the payments I made on time. I feel completely powerless against this lender and I will now sit for a day on hold trying to sort this out. I believe these actions are evidence of MOHELA 's attempts to prevent me, and undoubtedly others, from receiving student debt relief that they qualify for via PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX continues to inquire dispute inquiries, reporting onto my credit report but they are taking longer than usual, ive been waiting to apply for a home loan as well establish business credit. 
experian has so many inaccurate information thats not up to date, hurtingh me from gaining credit. 
i have called creditors they have no information available in their system, i have addresses phone numbers, hard inquiries that are someone else 's or likely fraudulent, i have several addresses phone numbers, names that are not mine, i am not them. 
over the years the scammers have been more creative and illusive adding their personal addresses and cell numbers XXXX, experian, XXXX, XXXX  information gathering is a disservice to consumers as these creditors above are holding onto several inadequate 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 explanation
Consumer complaint received 2023-05-16
Company: FISERV INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my bank accounts listed thru telecheck for the XXXX XXXX XXXX XXXX. The casino tells me they can not just close these accounts and told me to close thru their 3rd party Telecheck. I can not get them to simply close these accounts off The XXXX XXXX check cashing system. Please help me have any and all financial institutions removed from Telecheck.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Stop sending me tons of paperwork to my mom address I dont bank with yall and never will. I wont fill out identity theft that means I have to go to the police and I dont want to deal with the police I got too much stress going on Stop sending me mail all my accounts are paid off in full you send me total of XXXX paperwork in total!!!! 


Stop it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file.

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