BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 8. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 9. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 11. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2016-10-10
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance. 

I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector. 

I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions 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:
XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name THE XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine

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 2020-12-24
Company: AES/PHEAA
State: VA
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:
XX/XX/XXXX, my direct loans were transferred to Fed loan servicing after I applied for public service loan forgiveness. I have to make 120 qualifying payments and the rest will be forgiven. So far I have made 6 qualifying payments prior to the pandemic and when the pandemic started I was to have 26 additional qualifying payments added to my account towards loan forgiveness. I received an email that I needed to submit anther PSLF application from my employer to verify that I still qualified. When I log into my account to see what I needed to do, I saw a notification that I needed to consolidate my loans and then submit the new PSLF application from my employer. I was confused so I contacted Fed Loan servicing for assistance. The gentleman the took the call told me that I needed to complete those two things so that the payments could be applied due the COVID 19 pandemic. He also stated the changes will not cause me to start over. Fast forward to XX/XX/XXXX, I see an email that I have new correspondence. When I logged into my account, I saw that all of my qualifying payments disappeared and I was to start over from the beginning for making 120 payments when I was under the impression my 32 should still be there. I immediately called back to customer service to find out why this happened and the rep told that when the consolidation occurred, it wiped out all of my existing payments that were to be applied and it started over as a new loan. She asked me to give her a few moments to check some things only to tell me that there was nothing she could do to change it so I am filling a complaint to get this matter resolved. I feel that this is not fair to me that I am having to start over after being given inaccurate information. I would have never opted to consolidate my loans had I know it would wipe out my 32 qualifying payments towards the 120 needed. I am asking that you please help me get the payments back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
Dear Sir or Madam, I did not receive my bill statement on time and as result I was late with my payment for XXXX 2015. After that I had paid it in full. Late fee and residual interest was removed. I and my loan officer XXXX XXXX had multiple calls to Synchrony Bank trying to remove the late payment from credit report. We spoke with XXXX supervisors who hung up on us when we had asked for the letter. Finally one stayed on the phone with us the whole time and then came conclusion nothing could be done about the letter. 
Please help to resolve my dispute with Synchrony Bank and repair my credit. 
I beleave the Synchrony Bank customer service conduct is unacceptable and they do n't deserve to be XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CURO Intermediate Holdings
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor XXXX Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type Responsibility Remarks Individual Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX ^, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2015-05-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have an account with Care credit been paying {$100.00} every month, I finaly owed {$300.00} and was going to pay it all off when i looked in my account care credit charged me {$250.00} interest rate!!! How is that even legal!!!! This company needs to be shut down!!! I was never explained that a 95 % apr was going to be charged after certain month period this is a scam and rip off company, and you cant even talk to a live person over the phone. Dont ever apply for care credit!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.

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 2022-09-17
Company: EQUIFAX, INC.
State: NV
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:
iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX, equifax, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX XXXX, and transunion and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things

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 2022-08-25
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have an discover high yield saving account and not been used recently. But XXXX, I saw there is one {$1800.00} transaction from my other account to this account which is for sure not done by me. After I login my discover account, I saw the money is been sent through XXXX to multiple unknow recipents. Those are for sure fraud, and I have no idea why discover bank could let that happen, which means the secruity of the bank is just bad. 
After I contact them, they insisted those are my liability and they refuse to investigate on the fraud and refund me money. 
They even froze/close my account to avoid me to login the account to grab detail information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Consumer Portfolio Services, Inc.
State: PA
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:
XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Called Aidvantage in XX/XX/XXXX to request a refund of the payments made from XX/XX/XXXX to now. I was told they could statt the refund process and that it would take 4-6 weeks to recieve a refund from thble US Treasury department XXXX I asked if there would be any confirmation number and was told none would be provided, but that I could call back in a few days to see if my request had been submitted. I waited until XXXX to call back and confirm. I was told that they could see my request and that it was still awaiting approval. On XX/XX/XXXX, I made a complaint on the federal student aide website. The complaint was forwarded to aidvantage. Aidvantage emailed to state they are investigating my complaint. However, I find it completely unreasonable for my request still to be pending approval nearly 3 weeks later. I have seen no changes on any of my accounts to reflect the request. And feel that there is no way to truly hold aidvantage accountable to their timeline given the fact that no confirmation or reference numbers for the calls were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Paypal refused to close my accounts and wanted to instead keep them open. I have been unable to update my address, phone number, and log-in information that has been changed due to my moving with being homeless. During the process of being homeless I have moved from a few different concepts and shelters that have caused disruption with me being able to do business as usual and have instead resulted in alway receiving a less than desirable experience with XXXX XXXX XXXX Paypal. 

I am happy to provide proof of my identity but have found doing business with XXXX XXXX XXXX Paypal to be less then superior service experience in regards to updating my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 noticed that Capital ONE has not reported one of my CC ( Silver ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was surprised to learn that bi-monthly payments made to Quicken Loans on mortgages are not credited at the time the payments are made, but are only credited once a month. Obviously this results in Quicken being able to collect interest on the monies that are collected for XXXX days or more before they benefit the consumer. We learned from Quicken that this information is outlined in their closing documents. It is not clearly disclosed on their website information regarding bi-monthly payments or verbally disclosed when enrolling in the bi-monthly payment plan. This is certainly different than many other mortgage lenders and a benefit to Quicken and not the customer. At least any customer moving to the bi-monthly payments should be made aware that their payments are not credited when received by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
for medical debt, I was given a summons and showed up in court. Their lawyer worked out a " deal '' with me where I could pay payments and if defaulted would have a judgement against me. I singed the paper and paid my payments. I have proof of payments. They still went back to court and claimed I stopped paying and got a judgement against me. I was not sent any paperwork to show up in court. I am filing something to get a judge to look at it again. I called and they admitted they " misapplied '' my payments but said it does n't stop their process. They are now garnishing me over twice the amount I agreed to pay in court. And I did n't break the agreement! They would n't work with me before it went to court at all. They wanted all or nothing and I could n't afford to pay it, so they took me to court. This is Credit Service Company inc. in XXXX XXXX, CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I disputed a series of charges on my PENFED Credit Union VISA from XXXX XXXX XXXX, XXXX XXXX MN, ( 9 transactions totaling XXXX ). PENFED has refused to diligently investigate or take any steps to resolve my complaint. 

On XXXX I initiated my original dispute, on XXXX they closed it saying the charges were valid ( they did not provide me with a case number for this dispute ). I learned of this on XX/XX/XXXX when I called to inquire and at that time re-opened the dispute ( the case numbers provided in this instance were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

I uploaded supporting documents on XXXX and called PENFED confirming they received them on XX/XX/XXXX. On XXXX I called to learn the status and was informed that they decided not to change their previous decision. The customer service rep indicated that XXXX in the dispute department thought I should talk to XXXX the analyst assigned for an explanation. They indicated XXXX would call me that afternoon. XXXX did not call. On XXXX I called again with no results. 

Thus far PENFED has refused to diligently investigate my dispute, has failed to provide an explanation of their decision or copies of any evidence they used in making their decision. I very much doubt they interacted with the other party at all. 

I hired XXXX to provide residential remodeling services. He represented himself as a competent professional capable of delivering the work he agreed to. However, he was not competent, or professional, and delivered shoddy, amateurish workmanship that must now be redone. 

The basis of the dispute is that the services and products were not delivered on time or as agreed., that the services and materials provided are defective or not as specified, and XXXX has refused to disclose their billing, they have not provided an invoice describing what I have paid for. 

I have extensively document the problems with XXXX work and have attached the documentation I provided to PENFED.

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 2022-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation