BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.

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 2023-01-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
rash Curtis and associates is repeatedly calling me and impersonating both the medical office and an attorney pretending that I owe money for which I do not. I have already spoken to my primary health insurance provider XXXX XXXX and they informed me that I do not owe this provider money because they did not properly submit the claim. The provider sent the amount of money to a collection agency, rash Curtis and associates, instead of properly submitting the claim through the insurance company. Rash Curtis has claimed that it doesn't matter whether I owe the money or not, since I didn't respond to an initial letter many months ago, I now owe them the debt. They have never verified the debt with me they refused to send me any documentation proving that I owe the debt. They have transferred me repeatedly throughout departments claiming that I'm speaking with the law department or legal division. I have informed them to stop contacting me and that I had an attorney with whom they must be, and they refused to go through my attorney. I do not owe this money. I have already hired an attorney to have it legally removed from my credit report. Rash Curtis continues to call me and harass me. The most recent phone call they alleged that they were calling from the California XXXX XXXX in XXXX XXXX the doctor 's office who initially failed to properly submit the medical claim. 
yesterday was the most recent phone call. Prior to that they have called me every 30 days without fail. They have lied to me on the phone and harassed me and threaten me with legal action if I do not respond even though they have failed to submit documentation that I owe the money. They are harassing me and using abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Mo XXXX ] Employer : XXXX Phone Number : ( XXXX ) XXXX Social Security Number: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 2023-09-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2022-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchased airline tickets in XXXX for a trip to XXXX on XX/XX/2022. Bank of America is refusing to dispute the charges for two abruptly cancelled flights on XX/XX/XXXX and XXXX, stating that they are bound by an FTC rule limiting cc disputes to 120 days from the time of purchase. While this may make sense for many purchases, it clearly makes no sense for airline tickets which are most often purchased many months ahead of travel. Disputing these charges for flights cancelled without any notification or alternatives is one of our only remaining avenues, as the airlines have not responded to repeated emails, calls, complaints to the XXXX, or even to letters to their home offices. The airlines are XXXX and 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 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXX XXXX XXXX XXXX : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO CHILDSUPPORT ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO I C SYSTEM ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX  ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/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 2023-07-08
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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 did not sign any agreement that SANTANDER could furnish my personal information to any company. This is a clear violation of 15 USC 1681B ( 2 ) AND this is also Identity theft. The report of six late payments to my account XXXX is not verified and is a clear violation of 15 USC 1681A ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Had my business accountant look through my XXXX year student loan payment history. He feels overpayments were applied incorrectly and were not applied to the principle correctly on many occasions. I have contacted Navient in the past and XXXX assured me that payments were processed correctly. I have no background in financial accounting so I can not confirm that is the case. I'd like Navient ( my student loan servicer ) or, preferably an independent XXXX XXXX review my payment history to confirm that all standard payments and overpayments were applied correctly- as Navient has a long, well documented history of erroneously processing and applying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: LEXISNEXIS
State: NC
Product: Credit reporting 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:
Lexis Nexis is refusing to provide my consumer disclosure report, per FCRA law. This is in violation of my consumer rights. 

I have tried for months to request online and also called to try to resolve to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian, Please see attached - there is incorrect Personal Information on my Experian credit report that needs to be corrected as soon as possible.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S, C 1681 section 602 A. States i have a 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 written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-20
Company: Amsher Collection Services, Inc.
State: NY
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 did not give permission to any credit reporting agency, nor the collection company to furnish this fraudulent account on my consumer report ; I sent a dispute to both XXXX and Amsher collection agency and it was marked as verified and accurate by XXXX but they improperly did the investigation of verifying the dispute.They never notified me { the original creditor } to get verification of accuracy.so im not understanding why the account was not removed from my consumer report. I have been in distress due to the fact that I have been getting denied for all credit related things such as apartments and credit card loans. This has brought defamation upon my character to these financial institutions resulting in anxiety in regards to my mental health as well as my living situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred the sum of XXXX XXXX and XXXX dollars on XX/XX/XXXX. 2023 from an agent, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX VIA WESTERN UNION to my wife in XXXX for Family Support Living. I instructed that, the money be paid into her bank account number XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The tracking number is : XXXX XXXX XXXX. She went today XX/XX/XXXX. 2023 to cash the money but, they told her that, there was no information about the transaction yet hence she couldn't get the money. I would appreciate it if you could help me check your system for an update on the transaction. Thanks in anticipation of your prompt and favourable reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the afternoon ( around XXXX ) of XX/XX/2023, I was the victim of a scam. The scammer called from the XXXX Sheriff 's Department and he had done some up front work in that he knew I am employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He had also obtained current and previous addresses of mine. 

The scam was that I had not shown up for jury duty and that I was being charged a Failure to Appear and a XXXX XXXX XXXX charge. He told me the total cost to me would be {$2800.00} and that if I paid right away, I would see the XXXX on XXXX XXXX in one hour and half of the money would be returned to me. As fate would have it, I did miss jury duty during the pandemic and had never received a response to my emails. Also, as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I were to receive any legal charges, I could lose my job, and/or my license in an instant. I sent the money over XXXX to some Sergeant whose name now escapes me. 

I contacted Wells Fargo, where I have banked for 20 years, right away. The lady in the XXXX Department that took my call was empathic and she said she likely would have also fallen victim to this particular scam. As I have mentioned, this happened late in the day on XX/XX/XXXX. On Saturday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, indicating that Wells Fargo had completed their investigation and I would not be receiving any funds back. I filed a complaint alleging there was NO investigation of any kind. ( I have had a couple of other scams or unauthorized charges previously with Wells Fargo, and the funds were returned immediately. ) I waited over XXXX months for a response to my complaint and I have emails dated XX/XX/XXXX where I informed the Wells Fargo Enterprise Complaints Management Office ( WFECMO ) that I had tried several times via phone to contact someone who could explain all of this to me. No one from fraud or customer service helped me. Once I was told the case specialist was away from her desk. In another attempt, I spoke to a man named XXXX in the Fraud Department who was very rude, unnecessarily cold, and condescending towards me. He looked up my case and told me it had only been 5 days and that they had XXXX more days to respond. ( Recall I had already received a letter after a day and a half ). So he was basically dishonest and did not want to deal with me. 

I could not comprehend why I felt punished by Wells Fargo. They also took away my access to XXXX for a period of time. I filed a XXXX complaint escalating my first complaint, and of course, waited for another month to be told I would not be receiving any funds back. By the way, I filed a police report for the scam.

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 2023-07-08
Company: T.S. Holdings
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 have been a victim of XXXX XXXX for a long time Ive had my identity stolen from me twice I just had my identity stolen XXXX  car broken into XXXXXXXX XXXX in front of my moms house I been though a lot they placing things on my credit report thats not true I wont it removed having hardship really stressful trying to do all the right things get my self together and prove my identity they are very rude and nasty IQ DATA ASK THEM PLEASE REMOVE PROPERTY DEBIT OFF MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: AL
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:
I applied for the IDR repayment plan through studentaid.gov on XX/XX/23 and have yet to hear anything back from EDFinancial about whether or not my application has been received, even though on Studentaid.gov it says my application has been reviewed by them. I tried applying again on XX/XX/23 and again it says my application was reviewed by them but no changes have been made to my account, nor have I received any type of email communication from them. I tried calling the customer service line and got a wait time of 530 minutes. I then tried the online chat and was immediately told that the chat was available.

Company response to consumer: Closed with explanation