BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I payed a guy off of XXXX for a fortnite accouunt and i sent the money and never recieved the XXXX dollars back even though i recived no product i payed through paypal to XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
earlier this year I was impacted by COVID. I paid and settled one account with XXXX XXXX, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a XXXX I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: NY
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:
On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. My credit score was wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Medical Data Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Medical Revenue Service for acct # XXXX ... .. two times XXXX and XXXX a validation letter each time this company has failed to validate my debt. Instead they sent a itemized statement of my medical records which I know is a direct violation of Hippa regulations. I never signed a hippa form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities 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 2021-12-10
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: Information belongs to someone else

Complaint:
A fraudulent account appears on my credit that I do not recognize THIS STULENT LOAN. The account is : US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 2021-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America did not disclose that there may be a wait period for an approval on the credit card. I would not have signed up for the credit card if I knew there was a wait period. After I submitted the application, the sales agent from Bank of America, XXXX from XXXX, FL told me that there would be a waiting period. 

At this point, I asked to cancel the application and XXXX responded that it was too late and the application could not be cancelled. XXXX stated that I already gave consent, however I would have NOT given consent if I knew there was a waiting period. 

If Bank of America Sales Representative, XXXX had disclosed the waiting period I would not have given consent and I would not have signed up for the credit card.

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 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
To Whom It May Concern, I have learned that you are reporting 4 accounts on my credit report with the following balances : {$12000.00}, {$13000.00}, {$13000.00} & {$0.00} which I have repeatedly asked you to validate that the information being reported is correct. The account status shows charged-off yet a balance is still being reported to the Credit Bureau. This information is inaccurate and therefore does not comply to the FCRA. I have disputed this with you on multiple occasions and requested you provide me with my signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX and the other on XX/XX/XXXX. By not replying my letters, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are being reported accurately. Your non-compliance of federal laws under the FDCPA, FCRA and state laws is unacceptable. I am requesting you resolve my concerns immediately. Failure to do so may require I pursue a small claims action against your company.

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 2022-10-07
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-12-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
This matter began XXXX, XXXX, after requesting a new Natural Disaster forbearance with my loans held by Navient. Please contact me urgently regarding this matter, I am filing a grievance today with the Consumer Financial Protection Bureau, as Navient has requested unethical information of me to process a Natural Disaster Forbearance after suffering from California Wildfires & floods in XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX, respectively ) ; with no right or reason to run a credit check for requesting a Natural Disaster Forbearance on my loans. No other lender has done this at any point in time, and this is highly unethical and quite plausibly, not legal. 

Additionally, I am not requesting credit, and my credit state is very poor due to the long term hardships experienced both with COVID and current Natural Disasters in California, which has severely affected my income. Further, Navient and its representative  XXXX XXXX, has outright refused on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to contact me via phone to resolve this matter after multiple urgent requests. As my co-signer is my retired, XXXX father whom has been extremely XXXX and XXXX with XXXX, I will include this in my complaint with the CFPB as Navient continues to neglect me and my requests for immediate assistance via phone. Navient continues to change the terms and requests of me via only email communication, and a Natural Disaster Forbearance does not require a credit check. I have provided all requested information to Navient regarding the need for this time urgent Natural Disaster forbearance and how it has affected me financially and medically, and Navient continues to attempt to change the terms of applying this previously promised Natural Disaster forbearance. 

This matter remains unresolved by Navient, and I request immediate assistance with this matter, as XXXX XXXX XXXX Navient Executive Team refuses to phone me to resolve this matter. Navient has no reason or right to run a credit check for a Natural Disaster forbearance, which is Federally regulated based on Natural Disasters, which I have experienced at this time with severe impact to my health, income and ability to repay my loans at present. As such, please contact me urgently to aid in the resolution of this matter and ensure that my loans are placed in a Natural Disaster forbearance as previously promised me, and as requested due to the nature of the Disasters I have experienced and noted in great detail with Navient. This matter remains time-urgent, and I thank you kindly in advance for your immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
To whom this may concern,
  
  I am having significant trouble with the customer service of Wells Fargo & Company ("WFC") and having even more trouble with WFC recognizing my consumer rights.
  
  By way of background, WFC has been reporting a number of false records to my credit report, including but not limited to reporting my living address as   XXXX   XXXX   XXXX   XXXX   as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB, OCC, and other regulators concerning illegal marketing practices of WFC.
  
  To follow up on my previous concerns, WFC claims that their current submissions to my credit report abide by the Fair Credit Reporting Act ("FCRA") but nothing could be further from the truth. Indeed, WFC has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and     XXXX   are not only not supported but also conflict with each other - raising serious concerns as to what information WFC is reporting on consumers and what process they use to verify that information.
  
  For my personal situation,  XXXX  reports that a WE EFC loan with an amount of  XXXX  was opened on      XXXX   XXXX   XXXX     . However,    XXXX    reports a similar, although not identical loan of   XXXX     wa  s opened on     XXXX   XXXX   XXXX    .
  
  I would like to know, why WFC company is reporting similarly looking loans with conflicting information and produce a detailed report of how WFC reports "open dates" and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.
  
  The above instance of conflicting information is just one example, I would like WFC to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMP SERVICES LLC wrongfully reported debt on my credit report. 

XXXX, XXXX wrongfully reported debt on my credit report. 

XXXX  XXXX XXXX sold the debt to Another creditor and still reports the debt on my credit report. 

XXXX a company notoriously known for deceptive practices continues to report negative information on my credit despot multiple attempts to request that it be removed. 

I reported all of these disputes to XXXX and it continues to report these debts on my account. None of these debts listed above do I have any agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not currently even 30 days past on my account with XXXX XXXX in XXXX Texas, they call my phone while I am at work am I am unable to take the calls when I am work. When they do not get me on my cell phone they turn around and call my job at the general number seconds after they try to contact me on my cell phone. This is a daily thing. I pay my bill on line I will be paying it on XX/XX/XXXX I do not need to be called daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
PART 1, ACCOUNT : 1 : They close my credit card account without my permission.

2 : When I ask how to reopen my credit card account. They basically told me that they can't. BUT, I can reapply for a new credit card.

3 : After waiting for while for them to contact me about my c. card app.. I checked online for my status on the app.. It could not find my app anywhere in there system.

I filled out another app.. Again, it could not find my app anywhere.

3-5 apps later. Same thing. Including 1 app I did at my local Best Buy.

( IT CONTINUES IN PART 2, not just yet! ) 4 : Was FINALLY able to finish or get an update on my apps when I called them. They littery asked me the same questions that was on the Credit Card apps!

4.5 : For some reason, even tho I have a " Excellent '' credit scores of " XXXX '', I could not " Qualified '' for the same Best Buy Credit Card I had that they closed without my permission. 
They CLOSED my account that has NO FEES, and want me to get a card that has a $ XXXX  yearly FEE with a HIGHER interest rates!

PART 2, ONLINE : I was unable to log into my account on the website anymore after I sent them a Secure Message.

On the website, it keeps on asking me Security Questions that I pick out years ago. 
There is big problem, I FORGOT the answers I did for the Security Questions I picked out years ago. 
The only way I get access to my account is threw the Best Buy app. When I tried to change/update the Security Questions/Answers, it wants to answer the Security Questions that I forgot the Answers to. 
My 1st secure message to them was about " Part 1 ''.

My 2nd secure message to them was mostley about " Part 2 '', THEY REFUSE ANSWER my 2nd message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
A person that was let go from a company I used to obtain a loan was charged with in house theft. That same person took my personal information and later took out several payday loans and a car loan under Chrysler capital car finance company in 2014. This is not my account and due to this person having all my personal information they were able to obtain a car loan with a copy of my drivers license, my signature, and my bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation o  f HIPAA as well as the Fair Credit Reporting Act.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from GLA Collections.
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 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.       XXXX   XXXX    XXXX   XXXX  needs to send this information to me for review, 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 a ttempt 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$140.00}  XXXX  amount {$240.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation