BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
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've been trying for almost 4 years to make XXXX  remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX  AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX  AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.

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 2017-08-18
Company: Access Receivables of NC Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We acquired XXXX XXXX internet as a provider. They promised us adequate speed for our needs, so we entered a contract with them, only to find out we could not even watch a movie, use our phones or work from home etc ... We paid for services for XXXX mos while they tried to correct the problem, in the meantime accrued charges for extra data to our phone, could not watch movies or work from home while they tried to fix. they sent us to collection agency for equipment charges and early termination fees which we are not liable for. they failed to reach their part of the contract. meanwhile they are blaming us for breaching the contract. we contacted them several times speaking to XXXX XXXX on XXXX/XXXX/XXXX which is the highest supervisor we could reach and she refused to remove the amount.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: AR
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 XXXX concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 2022-07-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call requesting payment for comedy bank. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have notified and for months telling my original loan servicer AES/PHEAA, And current servicer, US Dept of Ed, Direct Loans, that these student loans dated XXXX, and XXXX, 4 loans, are not MINE. The XXXX  website is not correct. 1. It shows I withdrew XXXX, I graduated XXXX ; 2. I was in school XXXX, date they begin collecting on loan.date do n't match. 3. Amounts do n't match my loan papers for any of these student loans. 4. The grant amounts DO NOT match my loan documents. 5. XXXX list XXXX XXXX XXXX as Original Lender of these Loans. XXXX XXXX XXXX confirmed THAT they have NEVER given me a student Loan, or any loan, EVER. I have requested Many XXXX times AES/PHEAA provide me the original 4 Promissary Notes showing these loans are mine. They can not after taking months to search, and simply keep sending me the consolidation promissary notes in XXXX. I told them numerous times get my name off these loans and return my money, but they are intent in making me repay someone else 's loans. The phone number of the owner of these loans is n't even a phone number I ever had, but I know whose number it is, my classmates, who also got student loans as well. Do I seriously have to take them to court and obtain a court ordER to force them to correct their mistake that they know they made? I 'm sick of getting the run around while they have seized over {$12000.00} from me to pay some on else 's loans. I paid my loans off years ago, in XXXX. I told them that, but they do n't care. The original principal was {$XXXX}, They seized over {$14000.00} from me Balance owed today is > {$XXXX} That 's absurd!!! I have my originAL loan documents, even sent them several times to both AES/PHEAA and Direct loans/us dept of Ed, requested they to get my name off these loans but they refuse to do anything. Please help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Many hard inquiries that I have not submitted for

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 2018-08-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir/Madam, There is a debt collection from the XXXX XXXX XXXX, wakefield & associates on my credit report.They changed their name to XXXX XXXX XXXX, wakefield & associates on my credit report for reasons I don't know.They claim i owe them the following : 1 ) {$770.00} for emergency service, open date XX/XX/XXXX initially {$770.00} 2 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 3 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 4 ) {$1200.00} for emergency service, open date XX/XX/XXXX initially {$1200.00} 5 ) {$580.00} for emergency service, open date XX/XX/XXXX initially {$580.00} They keep changing the amount of money they claim i owe them on my credit report.There was initially 7 debt collecions accounts on my credit report but 2 were deleted by XXXX after i filed for the 1st dispute.Those debt collections deleted were : 1 ) XXXX XXXX, XXXX XXXX {$760.00} for ambulance service open date XX/XX/XXXX 2 ) The XXXX XXXX XXXX, wakefield and associates {$110.00} for emergency service. 
They were paid for every visit and service they gave me by my insurance company ( XXXX XXXX-Medicaid ) .I contacted my insurance company about the issue and they promised to mail me payment receipts which i will then mail to XXXX so that they can delete the 5 remaining debt collecitons accounts on my credit report .They claim they were not paid by insurance, but that's a lie. I filed for a 2nd dispute but iam not sure if that will solve the issue.I will have to file for a 3rd dispute if XXXX  does not delete the remaining debt collections accounts on my credit report.Iam expecting the payment receipts from my insurance company within 30 days from now. These are people who are ruining my name and reputation so that they can jeopardize me.Here is their contact information as it appears on my credit report for the 5 remaining debt collection accounts, if you wish to contact them : XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX You can call my insurance company and ask them about the issue.You can contact me on XXXX or my email 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 2022-07-07
Company: SAN DIEGO COUNTY CREDIT UNION
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:
This has been a consistent problem XXXX checking account where fees are being charged regardless of the chronological order of transactions or the balance. I called a representative of the bank and inquired today about what charge caused the NSF fee and she said she did not know when I asked how could that be? the response was " You were charged an NSF fee with a chuckle " even though I asked for an accounting of my account. I feel powerless and like I am being profiled. Please look into this I work very hard for my money and this is ridiculous. 

XXXX XXXX XXXX  - XXXX transactions PreAuthorization XXXX  XXXX XXXX  Transaction in Process ( Pending ) {$8.00} XXXX Check Hold ( Pending ) {$75.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXX {$83.00} Transfer fee - {$5.00} XX/XX/XXXX {$100.00} From XXXX  XXXX {$16.00} XX/XX/XXXX {$110.00} NSF ACH Not Paid XXXX - {$32.00} XX/XX/XXXX {$96.00} Acorns Invest ID XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX- {$100.00} XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} XX/XX/XXXX {$220.00} # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$6.00} XX/XX/XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXAccount # XXXX XXXXAccount # 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 2017-08-18
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Barclaycard XXXX XXXX card and Barclaycard Frontier Mastercard and was approved for both on XXXX XXXX, XXXX. I completed minimum spending requirements and annual fee requirement for the bonus offers on each card in XXXX. On XX/XX/XXXX at XXXX, I called Barclaycard as 1 ) I had not received my expected XXXX XX/XX/XXXX + XXXX XX/XX/XXXX miles for meeting the XXXX XXXX requirements. 2 ) I had not received my expected XXXX Frontier Bonus miles for meeting the Frontier card requirements. I was subsequently told that my cards were closed without my knowledge. I asked for my call to be escalated to a manager as I had not closed my cards The call was escalated to XXXX who is manager at Barclaycard. He apologized that he could not see why the cards were closed. I explained that I was very upset since my card were closed without my knowledge, I pay my bills on time with never a late payment and that I have not received my bonuses as indicated above. Furthermore, I explained that it seems that Barclaycard closed my accounts to claim that they were not legally required to pay the bonuses. This false advertising as I met the requirements 2 months ago for the bonuses. I appreciate the help. 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 2018-08-23
Company: Collection Bureau of the Hudson Valley, 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: Old information reappears or never goes away

Complaint:
This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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: Old information reappears or never goes away

Complaint:
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 at XXXX, I called Resurgent Capital Services for a collection account owned by LVNV Funding for an old credit card with XXXX XXXX XXXX . The representative stated that her name was XXXX. We discussed the collection for {$660.00}, and I asked for a settlement amount. She put me on hold and when she returned she advised that she could only give a settlement for {$390.00}, and that would resolve the account and within 30 days it would be removed from my credit reports. So I paid the amount in full of {$390.00}. I received a letter dated XX/XX/2020, showing that I had made a payment and now my remaining balance was {$260.00}. The rep promised that the account was resolved and advised me that I didnt have any other accounts with LVNV Funding. I would like the remaining balance removed and the account deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2018 An attempt to increase my credit with Discover was made. The decision was denied due to " insufficient credit history. '' Twice since the account has been opened, increases previously we're made to the account. This is a violation of the ECOA ( Equal Credit Opportunity Act ) under FDIC Compliance section IV 1.1 " a lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is far from definition to be fair lending practices set forth by the FDIC. My credit report is far better then previously when the small increases to the account we're made. Which leads me to believe that I am a victim of financial discrimination. As a consumer I would like Discover to be fair in they're practices and adhere to the regulations set forth by the FDIC. This is unjust and illegal. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX. Point : Garnishing federal benefits should stop and be refunded. 
XXXX. Suggested outcome -- Pay me restitution of XXXX for benefit garnishment and administrative fee XXXX for use of address and SS number. 
XXXX. Statement of Facts : XXXX XXXX XXXX - Request and writ for garnishment date of issue XX/XX/2022, is not a copy of the original. 

XXXX XXXX XXXX - Request and writ for garnishment date was not ( wrong address ) received by me in XXXX. 

XXXX XXXX : XXXX Compensation is direct deposited into XXXX XXXX and a percentage as needed is transferred to XXXX XXXX  opened in XXXX. 

XXXX XXXX 's XXXX program provides both community service and work-based training. To participate, you must be : XXXX or older ; have an income not more than 125 % of the established federal poverty guidelines. Federal funds are direct deposited into XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XX/XX/202XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  - {$15.00} XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13.00} xxxx Closed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX my avant card was charged XXXX. I did not authorize this charge. I have tried to call the company and have been on hold for up XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Whitestone Financial Holdings LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is Whitestone Financial is located Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to Whitestone as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the toyota dealership in XXXX, NC, and thus paying the car off in full. Whitestone Financial had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action Whitestone Financial took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

Company response to consumer: Closed with explanation