BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: PA
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 currently have Unauthorized inquiries appearing on my credit report and Three Fraudulent collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Conn's, Inc.
State: AZ
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:
My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONN APPLIANCES INC - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was admitted to the ER at XXXX XXXX XXXX HOSPITAL on XX/XX/XXXX. After being there approximately 1 hour, they discharged me stating I had a XXXX and nothing could be done. Eventually I received an ER bill in excess of {$5000.00}. When I applied for XXXX through the 'brand new ' ( at the time ) XXXX XXXX healthcare exchange, a number of problems occurred outside my control with the system and it 's implementation. Eventually, XXXX corrected the errors and said they would pay for my bill. By the time they admitted to their mistake, the hospital sent my bill to a collection agency. 

I contacted the collection agency with a Eligibility Letter of Authorization dated XX/XX/XXXX where they told me they " could not send paper bills '' and " tried to charge XXXX electronically but were denied. '' They requested that I, as the consumer, bill XXXX directly and just pay them with my own money as I could be reimbursed by XXXX. This I know is not true. They are refusing to use the actual way to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt, original creditor XXXX XXXX account XXXX was settled in full with a partial payment with the original creditor XXXX XXXX, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to portfolio recovery associates who has all the pertinent information but illegally leaves the trsdeline on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had numerous issues with Navient and my forbearances in the past. Most recently, I called to defer my loans, received a confirmation, and then a month after doing so, saw that my forbearance payment was returned to my bank account. Called Navient, had to apply for the forbearance again, and was told I had till  XXXX  before it would end. Today I received a second delinquency notice, although it should be in forbearance currently. I spoke with someone in  XXXX  and again in  XXXX  about putting my loans into forbearance and it does not appear to have taken affect. I also had this happen to me a year or so before where the {$100.00} I had to pay on my loans to put them into forbearance was applied as a payment to my account instead of the forbearance fee. I noticed it the same day, notified them, and they assured me that it was applied correctly. I had to call numerous times upon receiving delinquency notices, and I had attempted to escalate the situation and speak with a supervisor but during the entirety of what was supposed to be a forbearance period, my loan was shown as delinquent and never adjusted. They told me it would not affect my credit rating. I am struggling to pay these loans back and it makes it impossible when the lender ca n't even assist as it should be. I have tried and tried to be diligent, responsible, and address any issues I 've seen in regards to my loans, but  Navient  has been incredibly difficult to work with. I do not trust them, nor do I know if speaking with a representative will ensure a resolution or solution for my issues and concerns. I have $  XXXX  worth of loans with Navient, and am struggling. Everyday I want to cry because as a college graduate and as a professional, I ca n't afford to pay these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was infiltrated from somebody in Maryland. They added {$900.00} to my account tried to withdraw the money out a little bit at a time. I called and the fraud csr said they were cut off and whatever remaining funds in your account is currently your property. Maybe a week later, my account is hit return fee and multiple other fees. So I called back and a different fraud csr said it was a bad check that was written and do n't touch any of the money. I had already withdrew my funds from my account to pay my bills before I was informed this was a bad check transaction. As this result, my XXXX payroll checks went through and the bank kept the money and have been blowing me off since. I went to a branch twice and was told to call fraud department. I I have attempted a couple of times since then and have lost confidence in receiving the money I worked. Can you help me please?

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 2022-09-02
Company: Radius Global Solutions LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received a statement from Radius Global Solutions LLC, the letter is dated XX/XX/XXXX, but I received the letter either early or late last week. The first paragraph states the creditor will accept {$54.00} to resolve my account if the payment is received by XX/XX/XXXX. I attempted to pay the amount listed above online but was unable to. I contacted Radius Global Solutions LLC and was told that the debt was no longer with their agency. After reading the letter to the representative, I was forwarded to a supervisor who informed me that as of XX/XX/XXXX my account had been transferred to another agency. I informed the representative that the letter that was sent to me wasn't being honored and provided the information according to the letter that I had till XX/XX/XXXX to resolve my debt by paying the amount of {$54.00}.

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 2022-08-30
Company: Genesis FS Card Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unauthorized hard inquires from compaines XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I purchased on line lottery tickets on Illinois XXXX XXXX Web site using my XXXX XXXX ( XXXX ) credit card for the amount of {$12.00}. To my surprise this transaction lists as a Cash Equivalent ( cash advance ) on the credit card statement and carries {$12.00} fee ( {$10.00} cash equivalent fee + {$2.00} minimum interest charge fee ) that is 100 % of the charge. Ive called the card and they, with some reluctance after calling a manger, reversed the {$12.00} fee. However, they told me that the problem lays on the lottery side. Ive purchased lottery tickets with other credit cards through the Illinois XXXX XXXX Web site before and never experienced being it a cash advance transaction. Therefore, I called the Illinois XXXX XXXX ( XXXX ) and was told that all credit card transactions are processed as a credit card charge and never as anything else ( cash advance etc. ). Ive called back the card but they insisted that the problem is on the lottery side it is hard to believe as the card benefits from these transactions not the lottery while a purchaser is not aware of a change in transaction type and the fees.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: UT
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 credit industry standard is that hard inquiries stay on the credit report for up to two years ( 24 months ). Experian had decided to not purge or delete hard inquiries until 25 months. For example, a hard inquiry that reaches age two years on XX/XX/XXXX should be deleted on XX/XX/XXXX not 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 explanation
Consumer complaint received 2022-08-30
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, 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 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I never resided at the address shown on my credit report - XXXX XXXX XXXX XXXX XXXX, KS XXXX. 
Please remove 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 2019-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Good time of the day! 
In the beginning in XXXX in a mail I received an offer from Citizen bank to open a checking account. An offer condition stated that in 60 days after opening account and depositing amount over {$500.00} you will receive a bonus of {$300.00}. I included copy of the flyer for your review. Offer code : XXXX I opened an account over the phone on XX/XX/XXXX and transfer my pay checks on it. After 60 day I called to the Bank to check on a status and Representative XXXX told me that I will have my bonus deposit on XX/XX/XXXX. 
On XX/XX/XXXX I called to check on a status of the deposit and Representative XXXX informed me that I can expect deposit to be made to my account on XX/XX/XXXX. 
On XX/XX/XXXX I spoke to another Bank Representative ( unfortunately dont have a name ) and he told me that I will need to the end of the month of XXXX. 
On XX/XX/XXXX I spoke to two Managers in the Citizen bank XXXX and XXXX who said that my deposit will be will be on the account by the end of the week and if it is not happened my account will be credit for the bonus amount. NOTHING OF THIS PROMIS WAS DONE and then I received a phone call from XXXX ( bank Representative ) who informed me that my case STILL UNDER REVIEW!?!? She left me her phone number ; I called back and left a message asking to explain me WHY It is investigation and WHAT is the problem, but no one called me back!!! 
I spend so much time listening to fake promises! I am very disappointment and absolutely not happy with all procedure and service related to my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I contacted Venmo about an unsatisfactory e-mail I received from them. It was trying to alert me to my account having been accessed from an unknown device. That is not what really happened. I accessed my account using a device that I had used many times previously -- it should not have been unknown. I questioned the value of such an alert since obviously something was wrong on their end. At least three different customer service agents at Venmo misinterpreted my inquiry, thinking I was raising a security alert. I was not -- there was never any doubt that I was the one that accessed the account on my usual device. 

Now Venmo has frozen my account so that I can not even close it. To close it, they want me to send a picture of my government-issued ID and a picture of me holding the ID. This is because of their so-called security concerns. I do not trust them with this information nor do I think I should have to jump through hoops to fix a problem that they created through their own incompetence. 

I did finally talk to a Venmo agent on XX/XX/XXXX who read the issue documentation from the start and she apologized profusely for the errors in how it was handled. However, because the matter had already been forwarded to a specialized team, she could not intervene. 

Venmo may want to refer to the following case numbers -- XXXX, XXXX, XXXX and XXXX ( the last one being the original case number ). 

Unfortunately, it is not practical for me to provide copies of correspondence. All of my complaints are done online on their website and they are not in a form that I can retrieve like an e-mail. Their replies are by e-mail but are useless -- they never address any of the issues I have brought up. I am attaching a copy of the chat transcript where the one agent recognized how badly Venmo had screwed things up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on XXXX. I have had a issue with id theft and these are just not my accounts

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 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Experian has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.

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 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My second mortgage was involved in a Chapter XXXX bankruptcy and was discharged in X/XX/11. The note was originally with Countrywide and then Bank of America picked it up then It went into chapter XXXX bankruptcy due to I became XXXX After the bankruptcy I continued to pay both mortgages. I decided to refinance both mortgages with Bank of America and they only picked up my first and I asked them why did n't they include my second and they told me " Mamm, we have to take care of your first mtg first, then we will take care of your second '' but instead, they service released it to XXXX. XXXX told me they could n't help me. Then I rec 'd a phone call not a letter and was told XXXX XXXX has the second mortgage now, at this point I am not sure what is going on with the 2nd mtg. My credit report states I have a XXXX balance owed on that original loan number but it keeps getting reassigned a new loan number. If XXXX XXXX still has the lien on my property I would like to know what the balance on the lien is? And what the balance on the 2nd mortgage is since it was involved in the Chapter XXXX bankruptcy. What options are available for me to resolve this issue? XXXX XXXX offered to settle for {$15000.00} but of course I could not come up with that amount. At this point I am not sure I am dealing with a legitimate company or a scam. It keeps getting reassigned with new loan numbers.

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 2017-04-18
Company: CarMax, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
CarMax Business Services LLC  sold a car on   XXXX   XXXX   XXXX   and provided financing to someone who they should have known was not qualified to borrow any money. The person they provided the financing to has not had a job for over  XXXX  years and has never had a credit card or a loan. If they had done even the most basic credit check, they would have been able to determine this. Instead, the buyer was given a loan at almost 12 % interest. He will not be able to repay the loan and his family members had to assume the debt to avoid the risk of having the car repossessed.

Company response to consumer: Closed with explanation