BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Submitted Employer verification form for XXXX on XX/XX/2022. Mohela took XXXX XXXX to process application and denied stating my employer entered an end data on the application. This information is inaccurate. The form has no end date and is clearly marked by my employer " Still Employed '' on full time basis and continue to work XXXX per XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Please help - I have tried calling to find out the status of my Way2Go debit card at XXXX for over two months and can not get a representative on the phone. I requested a debit card for my unemployment funds in XXXX and have not received it. The directions say to call the company to let them know. When I enter my social and date of birth, the automated message says try again later and hangs up. Please help!! 
Mrs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: AZ
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:
This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help

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 2020-08-05
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, On XX/XX/XXXX my car was repossessed despite my payment arrangement or not receiving a default letter. After repossession I processed a payment for all of my past due balance being told that was what i would need to do in order to reinstate my loan and receive my vehicle.Still after payment there was no redemption paperwork given to me.They requested bank statements for my payment in the middle of an pandemic where all banks are closed.They have requested i go to a bank despite informing them of my COVID diagnosis before repossession even occurred projecting that i put others at risk for there undocumented request.I have asked for documentation showing where i agreed to pay them in only the form of XXXX XXXX  when my loan defaults and they have failed to provide the information.My car has been relocated 1 hour from my location and scheduled to be sold despite me reinstating my loan.They are using bully tactics and preying on people trying get there vehicle.On top of there fees i will have to pay around XXXX dollars to receive my car from the tow lot despite the {$170.00} i wouldve had to pay the day i brought my account current with a CLEARED payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
My biweekly recurring direct deposit from my employer normally hits Tuesday, by XXXX. Nothing was deposited and my balance is reflecting XXXX. I coordinated with my payroll and they confirmed it was sent, but after waiting on hold with Rushcard for XXXX minutes they advised my deposit was n't reflecting. This is a major hardship for me, for I am a single mom, flying with XXXX wing, and my son is a full time college student and tuition fees do not have any grace period, nor does my other bills in promised to pay today. I pay my bills in increments of XXXX, versus in full at the top of the month, due to making less then the cost of my total bills. The company has taken ownership of the technical issue, but has neglected to resolve it and grant me access to my paycheck. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a Discover credit card because of its cash back promotions, including 5 % " bonus '' spending categories and 5 % " Discover Deals. '' However, Discover has made it virtually impossible to verify that their cash back has been properly applied via unacceptably long delays in crediting the bonuses, inadequate and confusing documentation of the bonuses, and a chronic unwillingness to investigate my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Eagle Financial Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I requested my XXXX score for the first time this year in XXXX  from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX  XX/XX/2022 there are still no XXXX scores available to me. 

Under law " XXXXXXXX XXXX XXXX XXXX XXXXeq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by 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 2019-12-19
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX I went to an urgent care clinic with XXXX XXXX XXXX. After check in and evaluation, Urgent Care directed me to go to the ER at the hospital immediately. They then turned over a medical bill for lab work that never took place, to a collection agency. The collection agency obtained this " debt " two years later and have since been reporting that it was from XX/XX/XXXX which it was not. I have disputed it and uploaded proof of the original visit date and have disputed that the lab ever took place because I have copy of the lab work done at the Hospital, not at this urgent care clinic. Why would I have the same lab done twice in one day, by two different care centers? I also, never signed any paper work authorizing this clinic to turn over my Protected Health care Information to this debt collector. They are not a covered entity under HIPAA guidelines and laws, therefore they should have never been able to have this information. I want this fraudulent debt deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Ive tried various time to sign in my XXXX XXXX and when I do it says that an alternative email was used to Register, which is an email Ive never created. Next, I tired adding my phone number in order to get a security code but it also stated that there was another number registered to my account using my social security Number! 
Another problem I encountered ... I currently have 4 accounts active and on my capital one bank app. It states that I have 7 accounts and I seen that there was a credit card taken out under my information coming from the state Missouri which is obviously a Fraud! How can you help me log into my XXXX XXXX and how can u protect my personal information from this person in another state that got into my account! I need assistance ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I have an issue with XXXX opening XXXX accounts in my name they have both been removed and then they put them back. 
Recently they sold the accounts to another collection company was never authorized. 
A credit card that was XXXX now showing XXXX XXXX and the XXXX XXXX that was XXXX XXXX now over XXXX XXXX. My credit was never that high to begin with. 
I have made several attempts to remove it and they take it off and put it back on again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I  NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX  XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX  XXXX Account Number : XXXX I was never late 3. Other information I would like changed XXXX XXXX   Account Number : XXXX I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have noticed that I keep getting debt XXXX on my case about hospital bills, however I signed up last year to a thing called XXXX through XXXX and it was supposed to pay for anything that my insurance did n't cover/pay for. They even told me I was approved for the charity care and still continued to send me bills. When I went up to the business office to talk to them about it they told me that I was approved but did not give me any paperwork stating so. When I called Apex they asked for such paperwork and I do not have any to give. If they would like to call the business office and talk to them about it they can if they want. I tried calling a couple times and got no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After reviewing all of my student loans online I realized that I never opened a private student loan with Sallie Mae. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through Sallie Mae. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with Sallie Mae I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: GA
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:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: HEAD MERCANTILE CO., INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several letters to the company to verify debt and they will not send anything to me to verify today is the XXXX day since I sent the first letter. I have always had two insurances, that is why I am asking verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. 
I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. 
CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NJ
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 am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX  XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX/XXXX  {$540.00} XXXX  {$400.00} USBK Court XXXX TEXA # XXXX USBK Court XXXX TEXA # 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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2015-04-18
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
Hello, I am using Discover credit card and I pay off my monthly due on time with full due payment as per their statement to avoid interest. I also used Discover promotions like balance transfer with 0 % rate for next 18 months with initial fee. Let us say by using that promotion, if I transfer {$3000.00} on XX/XX/XXXX and they charge me {$90.00} on the day of transfer initially and then I have to pay off that amount on or before XX/XX/XXXX 

So my understanding is that from XX/XX/XXXX onwards, if I pay off my monthly purchase transaction as per monthly due, I wo n't see any interest. because my balance transfer loan is 0 % for 18 months. But every time I pay off my monthly due as per their monthly statement, they still charge me some interest. I asked them why then they mentioned, I have balance transfer loan. But that is 0 % for 18 months. 

As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: LA
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:
inquiries was not done by me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ON THE REPORT 2 TIMES ) EQUIFAX XXXX XXXX ( ON THE REPORT 3TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXXXXXX ( ON THE REPORT 3 TIMES ) XXXX EQUIFAX XXXX ( ON THE REPORT 3TIMES ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again.

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