BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the hospital for a problem and am XXXX. I gave the hospital my insurance information. Later on I received a debt collection notice from XXXX Hospital so I called them and again gave them my XXXX insurance information. A long while after that I received something in the mail from a collection agancy so I disputed the bill with them advising them that I had insurance at the time and it is up to the hospital to submit the claim through XXXX. I just checked my credit report and it has a collection from Avante USA from XXXX XXXX XXXX Hospital. I have proof of insurance from XXXX if necessary. It is not my fault they did not correctly bill my XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
I called the the XXXX Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I was 29 days late making loan payment. 
i paid XXXX XXXX 2016 before XXXX. They reported to credit agencies I was 30 days late. payment was due XXXX XXXX 2016 paid XXXX XXXX 2016. Springleaf financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: OneMain Finance Corporation
State: MI
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:
One main financial wanted to see my credit report and told me it wouldn't be a hard inquiry and it was a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: State Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The agency " State Collection Service " is in violation of the Fair Debt Collection Practices Act, the agency claims that I owe a medical balance of {$330.00} for an account that was put in collection due to XXXX XXXX XXXX XXXX in XX/XX/XXXX, I was contacted in XXXX of XXXX stating that I owed this bill from XXXX XXXX, the state collection agency failed to provide written notice of the bill amount, and failed to inform me that I was able to dispute this transaction within thirty days of receiving a statement. Their phone number is XXXX. Within a week of being contacted the collection agency put my debit in collections and have impacted my XXXX XXXX. I then contact XXXX XXXX XXXX XXXX and was informed by XXXX representatives that the {$330.00} charge was actually a service " adjustment '' from the insurance company and that the hospital had no record of my bill being put into the collection. The collection agency claimed that they provide notice to my apartment in XXXX however, I lived in the apartment until XXXX of XXXX, I then moved to XXXX and had my mailed forward up until XXXX of XXXX. Over a recorded line of the state collection agency, I asked the agency to provide proof of when they sent a statement and the agency had no record of providing me with a notice that I had a debt in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Other

Complaint:
I can not get a response regarding a purchase interest charge that is ongoing on a disputed amount with Chase. Each month, another purchase interest charge is added. I 'd like to attached a letter and attachments to XXXX XXXX at Chase. In his response to me, he said to call if I had questions or concerns and I do. HOWEVER, after calling several times, leaving at least XXXX voice mail messages, he chooses not to return. I have e-mailed and faxed him today about the last purchase interest charge. The disputed amount was {$1200.00}. On XXXX XXXX, 2016, Chase charged another purchase interest charge of {$14.00}. The account is being paid in full on or before the due date of XXXX/XXXX/2016. I would not like to be continuously charged a purchase interest charge. You are the only ones who can stop this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent several disputes notifying the company of federal violations. The company continues to recklessly report fraudulent and inaccurate information on my consumer report and refuses to properly investigate my disputes.

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 2020-06-10
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I let my friend use my cash app to deposit his unemployment due to quarantine and then cash app reversed it. So my grandfather XXXX   and people sent money to my cash app to help assist pay for burial and things and they wont let me access the funds. I contacted the number they provided to per email and they stated that since they got their funds back now its up to cash app now its been a month going on two and since shutdown is almost over I want to give my grandfather the proper sending home. XXXX from a relative XXXX from another relative, and XXXX from another relative, and XXXX from a family friend and then they stated they thought it was fraud but it cellars shows from a debit card!!!! Then I got refunds and they disabled my cash card so I cant use that money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX account back in XXXX. I ended my relationship with XXXX in XXXX and was told I was paid in full. Flash ahead to XXXX. I noticed there was a Pinnacle Credit Services account on my XXXX and XXXX Credit Reports. I have disputed both accounts on both CRA 's I have called numerous times to Pinnacle in attempts to find out how I can still owe this and why they are still reporting on my CR 's 10 years later. I have never received a response from Pinnacle regarding this. Every dispute comes back verified from the CRA 's. I am trying to buy a house and this is the ugly elephant in the room preventing me from doing so. Please have Pinnacle remove this tradeline from both my XXXX and XXXX credit reports as they can not and have not verified this debt that I supposedly owe. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/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 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I believe my loans were illegally consolidated without my consent. I also believe that my loan company did not properly advise me on repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been pating {$15.00} a month that automatically comes out of my account every month for over a year. My payments are low due to my income. XXXX 2017 they raised my payment to {$51.00} without any notice or warning they took it out of my bank account when I called them they told me that recalculated my payments so my loan would be payed off in 14 months which is my time limit. I was never told I had a time limit. They said I could n't do time forbearance because I did n't have any left. They said I couldnthink lower my payment back down cause I only have {$780.00} left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$10000.00}

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 2020-06-10
Company: PNC Bank N.A.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My bank account keep showing up negative on my XXXX XXXX account.It wont link to my XXXX XXXX account or update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: WA
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 have file an indentity theft report.This account was opened fraudulently without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, INVESTIGATIVE .RECOVERY. INQUIRIES - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM 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
Consumer complaint received 2021-12-29
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:
On XX/XX/XXXX I got an alert saying that I missed a payment on my XXXX XXXX so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of XXXX miscommunication.

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 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They keep saying am overdrawn even if there's money in my account always XXXX overdrafts that do not get put back on. Refunds issued that I do not ever see. Bills I pay get rejected. My info never is correct no matter how many appointments I make with there bankers. Online banking has my info I call they say they don't. They owe me so much money. They just take and take. Am so much in the red. Help us that bank at bank of America now closing all our banks in XXXX WA without giving us our money back

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.

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 2018-01-24
Company: Experian Information Solutions 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:
Several people have access to my credit report and are using the information to ruin my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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:
Several people have access to my credit report and are using the information to ruin my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
The following item have not been properly investigated and I have requested numerous times for validation of these items : 1. XXXX XXXX - This item was paid in full by the insurance company during an accident.

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 2017-01-26
Company: GREAT LAKES
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have Parents Plus loans that we 're taken out between XXXX. Loans were at 8 % and 8.25 %. Started repayment in XX/XX/XXXX. Went into Chapter XXXX bankruptcy in XX/XX/XXXX. Servicer, Great Lakes, put loans into forbearance. In 2 years accumulated interest became an extra {$20000.00}. I was not aware that this would happen and was not told by the servicer. I now owe a total of {$160000.00}. Some money is being paid through Chapter XXXX but it only goes to interest and is not enough so the interest keeps accumulating. I would like to refinance the loan at a lower rate but ca n't because Congress has to change the rules. I am almost XXXX years old. This loan will never be paid off. Is there a way to stop the accumulated interest at such a high rate. Is there a way to forgive that extra interest? I feel trapped. This feels like a mafia shakedown. I ca n't even discharge this in bankruptcy. Even after Chapter XXXX payment will be way to high. If I apply for Social Security, they will garnish that. Please try to do something about this. 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 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received an alert that XXXX had performed a credit inquiry on me. I did not authorize this, nor did I give them any info. Transunion should have blocked this as I have a credit lock that I am paying for monthly and there is a note on my account as there has been fraud before. Transunion did not live up to the obligation to protect my identity that they are charging me monthly for. This has negatively impacted my report and I am trying to secure a mortgage so I know I did not ask for this international online home furnishings credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief