BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-18
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My XXXX Prepaid Visa Card by XXXX XXXX was loaded with funds on XXXX/XXXX/2015. Account was frozen following that date with no ability to access funds, pay bills, perform debit POS transactions, etc. Calls to XXXX XXXX since then have resulted in a Case # being opened ( Case # XXXX ). I called them on XXXX/XXXX/2015 to discuss the case and was told that I had to submit a picture of my drivers license, a picture of me holding my drivers license, and copies of receipts for the reload packs used to put money onto the prepaid card. This information was all submitted within hours of that phone call. I then received XXXX subsequent phone calls, which I was not able to answer. The second call left a voice mail stating that the case was now closed since they could not get in touch with me, even though I had already discussed the case with them and sent in the required documentation. I then called again on XXXX/XXXX/15. They called me back and asked me endless identity verification questions ( # of children, ages, if my children were in the XXXX, etc. ). After answering all questions correctly I was then told I had to send in ANOTHER document ( a copy of my utility bill with my name on it ). I informed the risk agent ( XXXX ) that I was away for the weekend and would send it in on Monday the XXXX. I was informed that I would have to create a NEW ticket and begin the process again, because they could only keep a ticket open for 48-hours, which is absurd. I informed XXXX that all I want is to close the account and get a refund of the balance on the account. I have recently moved and offered to XXXX that I could provide a copy of the purchase agreement on the house showing the new address that I could access thorugh my email on my smartphone. This was not sufficient in XXXX 's opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: The Collection Connection
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt collector- ( The Collection Connection ) has been hired by my previous XXXX who I have been fighting with over the charges he 's states we owe over XXXX missed appointments in XXXX 2014. He 's trying to charge my wife and I {$510.00} for XXXX missed appointments he claimed we missed in XXXX of 2014. I requested proof of us agreeing to these said appointments, and the Debt collector sent me a copy of the doctors appointment book with his notes in it. I have told the debt collector these are erroneous charges no services were ever provided nor did we ever commit to an appointment on said dates in XX/XX/XXXX otherwise we would have been there just like numerous other times we have went and my insurance was billed. This doctor- ( XXXX XXXX ) is taking advantage of us, he knows how stressed we are and after turning us into the collection agency continued to harass us every appointment we had after that. I told him several times that we never agreed on those appointments and its not fair he 's trying to charge us missed appointment charges of {$250.00} for each appointment, he does n't even charge the insurance company that much for an hour appointment when I have agreed to see him. Please help our family and I 'm sure the other family 's this doctor takes advantage of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: OH
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:
Dear Sir/Ma'am I am DEMANDING ALL inaccurate and unverifiable information be removed. I was told earlier this year that all inaccurate information would be removed, however, I just received an email from Experian WITH MY WRONG NAME. WHAT THE XXXX IS WRONG WITH YOU? 

DELETE ALL INFORMATION I HAVE DISPUTED.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2016-10-15
Company: AES/PHEAA
State: OH
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 dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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: Account information incorrect

Complaint:
On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my XXXX  credit report that I owe them. XXXX  did not respond within 30 days, so I filed a dispute with XXXX  advising them of the non-responsiveness from XXXX. XXXX  ended their investigation and advised me that XXXX 's is correct and they are still reporting wrong information. XXXX  'XXXX   dispute number is 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 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
I have files several disputes with the XXXX credit bureaus asking for them to investigate and correct several accounts that appear on my credit report. I have received several responses that the reporter has verified the information as accurate, I have never received anything from this creditor after several attempts. They have not verified the account nor provided any documentation that what they are reporting is correct. This is detrimental to my credit and has damaged my access to credit and reasonable rates for several years now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: IN
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 have contacted XXXX  ( inquiry XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: NV
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 filed a dispute with equifax on X/X/17 checking the status every couple of weeks and always said pending and an estimated date of completion it 's now X/XX/17 and I have no response well over the 30 days they have no phone numbers to reach them only recorded lines that give you certain options then it hangs up on you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Asset Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Apparently someone my family put my number on my sister 's account with XXXX. I h ave been telling them for over 3 years to not call my number. I have a letter from them telling them to stop calling me and they said that they would, however a few weeks ago, a collector called my phone number spoofing my area code so I would be more likely to pick up. When I was called, the collector asked for my sister, I confirmed this simply by saying yes and then the collector read off the last 4 of her SSN rather than asking me to confirm it. Then she asked me for her birthday. If I had went any further, I could have easily gotten all of the account details with extremely little effort. As a employee of the XXXX XXXX currently, this is clearly a PII compromise. 
A simple XXXX search for asset recovery solutions reveals that one of their clients is XXXX. I want Asset Recovery solutions and XXXX to remove my information from their systems immediately and permanently. I want a physical letter sent to my house saying so. I am also considering pursuing further legal actions for the continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: AL
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 filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-05
Company: Navient Solutions, LLC.
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 have been struggling with Sallie Mae and than Navient since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a stay at home mom all XXXX, XXXX, XXXX, XXXX I had all XXXX high risk XXXX and couldnt leave the house I was in and out of the hospital.Navient stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with Navient they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no Sallie Mae nor Navient was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TN
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:
to whom it may concern, i recently sent out letters in regard to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.

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 2020-10-02
Company: EQUIFAX, INC.
State: IL
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:
The account been closed for years the company recently reports the balance increase as well reports lates payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The account been closed for years the company recently reports the balance increase as well reports lates payments.

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 2020-10-02
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Discover Bank automatically closed both my checking and savings account without contacting me first to sort everything out. I received a letter dated XX/XX/2020 from the company informing me that they completed their own investigation and decided to close both of my accounts because they believe that accounts were opened without my knowledge. However, that is simply a big mistake ; I indeed opened those accounts with my real and accurate personal information. This is NOT identity theft. It was really shocked to me as a consumer. In addition, the company never returned to me the funds left in both accounts.

I called their customer service and banker, but they just showed me their unwillingness to assist further with my case and could not disclose additional info. Then I learned that one reason may be due  to a security freeze placed on my XXXX  profile. I froze my own XXXX  profile because I am not intended to open new accounts anymore and just for security reason. Let me also be CLEAR that I placed the security freeze on XXXX  AFTER I opened Discover bank accounts, not BEFORE. Therefore, this is not logical for the company to just assume that they were opened " without my knowledge ''. This is just not reasonable by any means. 

I am ready to provide any additional personal identification documents, or lift the freeze on XXXX  to back it up that i am the real person. 

This is shady and nonsense that Discover Bank did this to their consumer. Depends on the outcome received, I will file a lawsuit against the company if I did not get my money back and with the actions that they took to close my accounts. I am not backing down for my consumer rights. 

I attached a copy of the bank letter where they stated the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid my loan, but had past due membership charges, so they wouldn't let me cash out my investment. They are reporting my membership fees on my credit like it is my loan, although that is paid in full. They also have incurred {$850.00} of late fees on my account. I couldn't cancel my membership because I was past due, so they just kept incurring fees. The wait times to speak with anyone is ridiculous, and when you do speak with someone they can't do anything to help you, they just tell you the only way to help you is to pay your balance. I don't care about anything like the money in my account - which by the way they won't apply to any balance I have ever owed, even when it was more than my past due fees. I want it off my credit report. This company should be investigated, shut down, and not allowed to operate ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted experian and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.

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