BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sirs, I have recently disputed an item on my credit report, I lost the dispute. It always seems that the agency reporting has the upper hand, as we the consumer have a very limited opportunity to explain the reason of the dispute. 
In XXXX, XXXX .... ( estimated date ), I did attend XXXX University. I was receiving financial aid. I did eventually drop out with notice to XXXX. Here is the issue to the best of my knowledge, unless they can tell me more specifically about the amount owed. 
I was approximently half way through my XXXX courses to complete my XXXX. I had taken the required accounting class and was on track to pass it with a very high 3 point grade average. By the way, If I am not mistaken, I was at a 4.0 throughout my classes, or very close. Due to unforeseen circumstances, I had to drop the class with only about a week or so of completion. That said, I do believe financial aid would not have been applied for that one class. As I was able to return to classes, my next course was a marketing  class. I was going to have to repeat the accounting class at a later date. I had taken one marketing  class, then decided to drop out of that class, and pretty much give up on my XXXX, at least at that time. XXXX had the policy as you can drop after so many weeks and not be charged for that class, which should have applied for the marketing  class. 
That being said, I do believe that I should be responsible for one class, that being the accounting class. How can one class have an original value of {$7700.00}. Now valued at {$10000.00}. I find that very hard to believe as well as understand. 

I would like this resolved, as well as removed from my credit report. I do not believe there is any validity to their claim. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I feel very targeted, Back in XXXX 2020 when we were in both a national and global pandemic, I did just inform the collector that I was just getting back to work after being followed and trying to catch up on my past bills and that I needed a bit more time to settle into a payment plan, even though we were in the height of the pandemic. Shortly after I lost my job in XXXX XXXX, I know the courts were not operating in 2020. After I explained to the agent this, this was the last time I recall hearing back, then the company pursued to filed false documents stating that they tried to serve me with papers, but the papers this company filed were falsified, and I was never served, nor did I receive any notice that I was due in court, so how did I receive a notice stating that the judgment was ruled in favor of the plaintiff, I did not receive due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: First Data Corporation
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a small business. I have a merchant credit card processing account through First Data Corporation. Without my authorization, First Data deducted ( stole ) {$14.00} from my business checking account on XXXX XXXX, 2016 for " XXXX ''. When I called First Data on XXXX XXXX, 2016 and inquired about the unauthorized charge, I got a sales pitch for the product, and I was told that I could apply for a refund if I did n't want the product. I was then told that I would be called back in a day or two to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 TRANSUNION, XXXX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ( 6 ) accounts same number Dept of Education XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX Transunion Inquiries : Date XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX MO XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt of {$110.00} from XXXX XXXX XXXX ( as per XX/XX/XXXX statement ) that I paid off in XX/XX/XXXX. I spoke with a representative from the company who processed my payment and sent me an email at XXXX with confirmed payment/receipt. I received one or two calls from the debt collection agency Receivable Collection Services , LLC ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) stating that I owed the debt. I then called the PT company once more to confirm that the payment was made and they stated that they will escalate to management because it was still coming up. Receivable Collection Services then called me again and left a voicemail and I called them back. 

I called the office on XX/XX/XXXX at XXXX ( and spoke until XXXX ) to a debt collector named XXXX. I explained that the debt was already paid. She confirmed after looking through her records that, in verbatim, the " collection agency has received the payment of {$110.00} and will be posted and closed today. '' However, I received another called on XX/XX/XXXX at XXXX from a debt collector named XXXX who left a voicenote stating that he is calling to collect a debt. I called back at XXXX and spoke with him until XXXX. Similarly, he confirmed that after looking through records that the debt was already paid and that he is unsure why it is still showing up. He stated that he " will escalate to management and get it sorted out with XXXX XXXX XXXX ''. I stated that I can send the receipt from the company I owed as needed, and also asked if I can be provided with a confirmation email. XXXX stated that, " he can not send an email but will send a follow up call regarding the status ''. 

It is XX/XX/XXXX and I have not heard from the collection agency. However, I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX, the Director from the agency, stating that the debt still continued to be owed. This has led me to file a complaint due to the lack of communication between the company and debt agency in resolving this case, after speaking with two debt collectors who confirmed the payment was made, and also having a paid confirmation receipt/letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My credit account is frozen and it won't let me unfreeze my account. I try to unfreeze but it says to call office. When I call it won't let me talk to Representative 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 2022-01-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1.In XXXX XXXX. 2012, I was trying to pay the diesel purchase in XXXX gas station when I traveled in state ( GA ), the transaction was declined. 

2.I call the customer service for resolution immediately, and follow up their instruction for verification.

3.the representative misstep the processing and put my account on hold, to getting me to wait 7-10 business days for a letter for verification.

4.during the phone call the representative hang up the phone 2 times with bad manner.

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 2021-01-18
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I did not authorize or sign a HIPPA form for Trojan Professional services , Inc. to access my medical records and this company is violating HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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.

Thank you for your time and attention in dealing with this matter.

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 2022-10-23
Company: HW Holding, Inc
State: MN
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:
Hunter Warfield XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX Divorce Settlement my Ex assumed the XXXX cc debt. He passed away in XXXX XXXX. Within a week of death, I contacted B of A to put a freeze on the business checking account. They were sent a copy of his will and to pursue his very large estate for the funds. B of A was sent Exhibits mentioned below. Attached is the XXXX XXXX fraud ; how did Ex accomplish this event. 

1. B of A lost the XXXX Original Agreement. We wouldn't have qualified for the CC because we were XXXX, I was not working, and he was a mechanic. Before 1980 we were cash buyers, and didn't have a B of A checking account until we needed to make house payments on the new purchase. 
2. Ex was a financial XXXX XXXX. He took my name off of XXXX XXXX Mortgage Deed without my knowledge. Ex removed my name from the B of A Joint SubS corp business checking without my knowledge or signature. Based on this info, I was probably an Authorized Signor only and needed the Original Authorization as proof. 
3. B of A was provided documents on how Ex didn't allowed me to have any business income, or CC 's in my name. 
4. B of A violated their Customer Billing Rights and filed a default with CC Agencies on my credit before informing me a debt was owed.

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Money was deposited and hold on funds and when payment or debit card was used my account was charged an overdraft fee. Account was closed because of overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Affirm 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:
sick during XXXX  for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
My address and name are incorrect. 

I have no knowledge of the inquiries below : 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 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 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 2022-09-30
Company: SYNCHRONY FINANCIAL
State: OK
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:
They have my name address and number and dob all wrong in credit runs

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 2022-09-30
Company: Block, Inc.
State: CA
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:
Cash App has been deducting money from my business and personal account and I only had the app for 2 days and closed it due to them stealing money from my account and not wanting to take responsibility. When I have reached out to their representatives I have numerous I dont knows, we cant give you those answers and Ive been hung up on. This isnt what a financial institution as they claim they are should be able to do with your sensitive information or money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation