BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MN
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 signed up to credit report website and within that year my account started to have things I dont recognize and has numbers calling me. I had got a lot of mail of fake loans and credit cards I didnt apply for. I try changing my passwords and everything. My credit score went from good to bad within a year of using their app.I try to remove things off too

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 2020-04-03
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case # XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX  from XXXX XXXX XXXX regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from XXXX XXXX  XXXX. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called XXXX XXXX  XXXX on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked MsXXXX XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's complaint.

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 2021-09-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Crdit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX  XXXX  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 2015-05-15
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Genesis loan servicing no longer has any correct contact information i can not call them in contact of my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: IL
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:
In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

15. U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

15. U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, Experian reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has experian communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.

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 2016-04-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX 2015 I spoke with a representative from Navient, and decided to increase my monthly payments to decrease the time I will be paying them back. I just got a notice that Navient changed my terms, and they decreased my monthly payment ( which increased the length of time I 'd be paying them back by 15 months ). I called Navient. The representative told me that " Navient had reviewed the original terms of the loan and adjusted them. '' This was without my request. What if I had n't been paying attention? How many people are paying attention? This seems like such a slimy move, a way to enslave people with student loans for longer. Perhaps reading this people would think oh good, I can pay less a month, and not Oh no, I 'll be paying for longer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 inquiries on my credit report that I did not give consent nor benefit from. These inquiries are causing me emotional turmoil because of the amount of stress it is putting me under. Inquiries are preventing me from getting a new home during these tough time. I filed a FTC report backing up my claim that these inquiries are fraudulent and need to be blocked/ removed immediately. According to law You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

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 2022-10-27
Company: ALASKA USA FEDERAL CREDIT UNION
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A major bank in Alaska called Alaska USA federal credit union e mailed all their members a new policy with predatory over draft fees. 

In the e mail it says members will be charged {$25.00} per over draft and will continue to charge an additional {$25.00} per day until its paid off. 

I called the bank and spoke to a manager and confirmed these fees are the new policy and will be enforced no matter the situation even if a members card is stolen or a bank error This is by far the most extreme fees Ive ever seen in my life and it must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American express magnet card say 15month APR & XXXX Credit when XXXX 1st 3 months. but i didn't receive any. i didn't verify for long time and one day start notice my balance not went down and downloaded statement then i noticed interest charge. i called so many to fix but they not accept and not agree ticket # XXXX. i never got many declaration or pop statement say no apr or not statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case #  XXXX-XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX from Patient Accounts Bureau regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from Patient Accounts Bureau. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called Patient Accounts Bureau on  XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked Ms. XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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:
Medical Collection was placed on my credit file without consent when I had insurance at the time of billing.

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 2017-02-07
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am disputing Ocwen 's account that my realtor and the buyer 's realtor could provide {$1500.00} each to me for my relocation fee as long as it was not on the XXXX form. That does n't make sense because they never provided a means by which the fee could be allocated to me. When XXXX XXXX, my realtor spoke to me he was uncertain how to make that happen if it could not be addressed on the XXXX form ... .also the paragraph from XXXX XXXX, 2016 that XXXX informed Ocwen to move forward without incentive is untrue. I never gave consent to that and there is nothing in writing to that consent. I needed the money to move. This response does not address the relocation funds from my initial complaint from case # XXXX ... I have submitted another offer for the short sale at $ XXXX and learned that the negotiator is still refusing to pay the relocation money which contradicts what is in the contents of the attached letter. Ocwens ' response did not address my concerns. I need the relocation fee to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello good day, My name is XXXX and this is my email XXXX I have been using PayPal for a while now bit I got baned for using my account for 180 days, now the 180 day has elapsed and I need to withdraw my funds to enable me arrange for my son 's XXXX but I am unable to withdraw from that account cause the card which was linked to my PayPal account was stolen during the XXXX wait so I had to deactivate the card to secure my funds and now they are not allowing me link another card to enable me withdraw the money in my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I will attach my photo ID at the end of this report. 

I am making this report against a keybank customer by name XXXX XXXX. I will try my best to explain everything. 

On XX/XX/XXXX, I listed my new XXXX XXXX Laptop for sale on XXXX at the sum of {$1500.00}. The next day being XX/XX/XXXX, someone by name XXXX XXXX contacted me to buy my XXXX laptop and accepted the price. 
I told her to come and pick it up since we are all living in New York and she said she would come the next day. 

The next day being XX/XX/XXXX, XXXX came to my house and picked up the XXXX laptop and said she was paying using my XXXX card reader account which my company name is " XXXX XXXX transfer For XXXX XXXX XXXX '' XXXX made the payment of {$1500.00} to me by herself and got the laptop and drive off. 

After two days, XXXX called me on the phone said that she would take advantage of me by reporting to her bank to get her money back plus my laptop she already got. I was very shocked. 

Yesterday, she sent me a message that she had reported the transaction to her bank by tricking her bank that it was unauthorized charge to get her funds back and she said her bank had given her bank the money. If that is the case, it means, she got my laptop and also took money she sent to me back. 

So I am making this report officially to her bank that the bank should not honor XXXX XXXX request to get the credit back on the {$1500.00} she made to my shop because she got her item. 

When she came to my shop as part of documentation, she submitted her photo ID to me proving that she was present at my shop. I will attach her photo ID which she submitted here and also a screenshot of her chat where she said she had gotten back money from her bank saying that she will keep on doing same thing to online sellers to take their items. 
Very sad. 

Her email address is XXXX And her house address is XXXX XXXX. 
XXXX XXXX, NY XXXX. She is a keybank customer and I believe she paid with her keybank MasterCard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.

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 2017-10-13
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This debt was for a XXXX card that my wife had. We fell behind due to XXXX bills so they sent us to a debt collector. XXXX XXXX XXXX. they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.

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 2021-09-26
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in a car accident. The atty that was representing me promised to pay all of my medical expenses regardless of the outcome of the lawsuit. Atty office instructed me to go to their medical doctors for the pending lawsuit. The atty office refused to pay the medical debt, and the medical office has illegally put this account on my credit report. If I would have known I would be responsible for the debt I would not have went to their medical office and went to a medical office that accepted my medical insurance.

Company response to consumer: Closed with explanation