BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions is attempting to collect a debt on the behalf of another 3rd party ( XXXX XXXX XXXX ) while the original creditor is XXXX XXXX XXXX XXXX, which I don't think exist anymore. 

In 2015, I was an inpatient in XXXX  at XXXX Hospital in XXXX XXXX, TX. I provided my XXXX health insurance at the time of service. All facility charges were billed to XXXX  and all went well. However, the physicians that read a report, saw me in the hospital or whatever never billed XXXX. I never received a bill and then 3rd party collections have been involved on and off ever since. I know how medical billing works. I was a patient accounting rep for almost 14 years. If the professional billing office failed to bill XXXX  within timely filing, they CAN NOT bill the patient. I had XXXX  for a reason at that time. I've been very XXXX  since this. I am now in the XXXX XXXX XXXX XXXX XXXX and awaiting a XXXX  at XXXX. I don't need this. It's insane how relentless these people are. Even the hospital billing manager tried to get involved because it's wrong what they did but this company doesn't even exist anymore and no longer contracted with this hospital. I know these companies are just getting these accounts for pennies to collect. However, the original creditor was negligent, failed to file the claim with insurance and legally you cant bill a medicaid patient for that failure! So many years have past, they need to accept accountability and let it go for goodness sake!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2015-12-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a superior credit score of XXXX. I have had XXXX lates in XXXX years, and my debt-to-income ratio is below XXXX XXXX, so I am certainly not a low life. On average the other credit cards I have are between XXXX XXXX XXXX %. In the last XXXX months, I don't run a balance with American Express because they were already charging me XXXX XXXX XXXX. 

Last month I was paying XXXX XXXX and this month with a XXXX balance THEY RAISED IT! Now I'm being charged a usury rate of XXXX XXXX? Are they loansharks? Is this allowed? What is the maximum amount they can charge? Or they have no limit? 

Are they allowed to abuse people like this for no economic reason? Is my only only choice just to avoid them and seek another alternative? I've been paying off my balance every month so I never let them charge me another dime, but it just seems wrong. 

And yes I called today, and " XXXX, '' said my account was reviewed in XXXX, and there was nothing he could do. I think this is unacceptable to do to people when you're getting the money for XXXX XXXX and changing me XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There was an account opened in 2012 with XXXX that is showing as an adverse account on my credit history. I have filled several disputes with both Transunion and XXXX XXXX. Neither of which have been able to resolve the issue. XXXX XXXX can not even locate an account in my name and so therefore has " no way of filling a dispute '' or helping me resolve the issue. The XXXX info listed on the Transunion report has no phone contact, so I mailed a letter to the address provided and have still not received a response. I had an Mor furniture account with them years ago that was paid in full, on time. They accrued some additional charge that supposedly was left unpaid and sent to collections. They resolved the issue as it was an error on their part, but it is still ruining my credit.

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion is in violation of reporting an account ( XXXX XXXX ) that is past statue of limitations. I've sent dispute letters ( with my identity ), follow up letters ALL certified and even called to have this account removed. They have yet to remove this account!

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 2020-06-28
Company: Experian Information Solutions Inc.
State: IL
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 DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-03-16
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 status incorrect

Complaint:
XXXX XXXX XXXX is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 XXXX XXXX XXXX is reporting that i was 30 days late on a full payment which is {$400.00} The second payment XXXX XXXX XXXX is not reporting correctly in XXXX of 2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to XXXX XXXX XXXX multiple times.

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 2021-03-16
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan through Quicken Loans in XXXX and ended up getting approved for XXXX. I found a house in midXXXX and the closing process started. I signed every document they sent my way including the contract ( I was prodded multiple times to do so over the phone despite my hours being in question ), put down {$1000.00} in earnest money, paid for a {$500.00} inspection and was about to switch my address over. At that time, I received a call from one of the underwriters who stated she couldn't approve the loan due to my hours at work. I work full-time for XXXX but we can't get scheduled XXXX hours because we would go into overtime and this seemed to be the issue. I get scheduled around 36-38 hours/week. This should have been caught during the pre-approval process and I should have never gotten that far. I asked Quicken Loans to compensate me for the money I lost paying for the inspection and they denied the request. I believe this is the very least they can do for me after going through that exhausting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a PayPal XXXX account for my company XXXX XXXX. During the year 2019, I was operating a PayPal account using my company 's email ( XXXX ) and tried to sell items that PayPal did not allow for the sale of in their acceptable items list. I was selling Vaporizers in accordance with Oklahoma law where I was selling them. PayPal 's brand risk department and I spoke through email correspondence and resolved the issue I removed all vaporizers from my store and stopped selling them. 
PayPal then fully reactivated my account, and I did not try to sell vaporizers anymore instead men 's clothing and electric bicycles were the products I decided to sell. During this past XXXX, I started using PayPal 's currency conversion tool that is in their Money tab to convert my USDs to Foreign XXXX Currencies ( I diversified spreading risk among multiple investments in foreign currency as my Finance Degree told me to ). I chose well, and my investments increased in value due to increases in exchange rates. PayPal then froze my account again and sighted my trying to sell vaporizers as the reason for the freeze. I have actually had really bad sales through PaPal and only had been using it to store small amounts of capital I was using for advertising payments to internet-based ad agencies in attempts to sell the men 's suits, and electric bicycles I had purchased wholesale from XXXX manufacturing plants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.

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 2016-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.

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 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to transunion XXXX and XXXX and requested that they take it off. XXXX XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now

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 2015-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Dream Center Education Holdings
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I wasted my time and money attending the Art Institute. I am now unemployed and financially ruined. When I first attended I was enrolled in an XXXX month program which I later found out from an instructor that it would not help me qualify for a job in the field that AI advertised the program as so I withdrew. Years later I decided to try school again but this time I enrolled in the online XXXX program at the Art Institute only to find out that the students that had already graduated have no chance at employment with a degree from the Art Institute and that the school was in trouble for the scam they were running. I have since tried to withdraw from the school but their academic counselor treated me horribly for doing so. She also never withdrew me from classes during the first week of the quarter when she was supposed to so now I have to pay for another quarter because she simply wo n't let me withdraw. I 'm currently getting the run around via phone and do n't know what else to do besides continue to try to withdraw and write reviews to warn others about the underhanded tactics of this scam called an Art Institute. I have been ripped off by the Art Institute. They are stealing my student loan money and lying about how much I take out. The tuition and loan amounts dont add up. Something fraudulent is happening here. I have also tried to withdraw and was told that they withdrew me from school but I am still receiving emails from my instructors telling me that its not too late to turn in late assignments so I logged in and saw that I was lied to about being withdrawn so my GPA has tanked and I 'm being charged for classes even after withdrawing. I have talked to other current and former students of the school who are experiencing the exact same thing. This is a scam and needs to be stopped before it ruins more students financial lives. more information can be found at these links. This is another student who experienced the same EXACT thing I am currently going through. They are also switching my financial record around so much that I cant keep track of what I owe for what. XXXX Here are more testimonials from other students who have also been cheated out of education, time and money XXXX and finally, here 's a XXXX group of students who are fighting back that I am currently a part of XXXX Please help us!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On or around XXXX, I disputed items with Transunion that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Transunion, but they fail to do a full investigation and said they were mines. Here is the info for the dispute results

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 2021-03-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My account was hacked and there was an unauthorized charge of {$480.00} on XX/XX/2019. I submitted a claim to Paypal that it was not me who authorized the transaction and someone had been accessing my account. After a few days they responded to me that they were not accepting my claim and that they would leave the negative balance on my account. Now I see in my credit report that XXXX Bank ( collection bank for PayPal ) has a charge off and is lowering my credit score. I went ahead and I paid that balance to avoid any more damage to my credit. But now I cant even buy a car at a low interest rate because of this account is still showing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX. 

Today ( XXXX ) I received a letter from a company called Revenue Group. 

The letter claimed they have been trying to reach me about an outstanding debt owed to XXXX XXXX XXXX XXXX. 

I have not received any calls from Revenue Group let alone from XXXX XXXX XXXX XXXX. None, not one. 

There was also no date of service on said collection letter. As I have not been to XXXX XXXX XXXX XXXX in quite sometime, this lends to the seriousness of my complaint. 

Outside of this letter there has been absolutely no contact attempt from Revenue Group or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also numerous complaints about this company on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called Merchants Credit XXXX 3 times to request copies of the original bills, because the original creditor has no record of an outstanding balance. After the first call they noted on my credit report consumer disputes which i was not, all i wanted was copies of the bills to be faxed or e-mailed which they refused so they said they were mailing the original bills to date since XXXX i have not received the original bills in the mail. I then sent a debt validation letter via certified mail on XXXX XXXX, 2015 the company signed for the XXXX letters on XXXX XXXX, 2015. The company has not ceased reporting to the credit bureaus nor have they sent the bills that i have requested numerous times.

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