BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that hospital and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. 
This is the third time that a XXXX family member has experienced this. One of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/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 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the 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 2022-04-21
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX 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 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 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : 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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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  Act # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, and XXXX XXXX XXXX Act # 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 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 2022-04-21
Company: Experian Information Solutions 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:
Accounts on my report I do not recognize

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 2016-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortage was sold from XXXX to SPS Servicing in XXXX XXXX. The original mortage was done in XXXX and at that time the escrow only included the taxes and I the homeowner always paid the insurance out of my own pocket. Well 12 years after the original mortage this new company SPS decided to pay my insurance company even though the declarations pages clearly state Insured pays this is not a demand for payment, they raised my payment. When I contacted them they and told them the issue, they stated the had the right of escrow. In the meantime my insurance company refunded me the mortage company payment and I called the mortage company and made a lump sum payment of {$2300.00} to my escrow account for their mistake and to cover the " shortage '', but my payment was never adjusted and the are still wanting me to pay the insurance amounts and also my insurance company is still debiting my account for the money too. I have tried numerous times to get this issue resolved and I never get any response other than they have the right to escrow.. I am now facing foreclosure because I am not making the full payment because in reality I do not owe what they stated and my escrow account actually has a credit amount in it, but they are still saying I owe back escrow payments but in reality I do not because my payment was never adjusted to reflect the lump sum payment I had already made. I have been dealing with this for almost 16 months now and they still continue to not evaluate my escrow, and now I recently switched insurance companies and they did it again where they paid the insurance when they received a declaration page clearly stating Insured pays. Also, the new insurance dropped approximately {$100.00} a month in cost, but the payment does not reflect this drop in rates and still say I owe {$300.00} in escrow a month when the math does n't add up and if I did pay them what they say I owe eventually they would owe me money. I am not a legal expert but this in my opinion is mortage fraud and is causing me much heartache over something that is the company 's fault and lack of understanding or ability to do simple math.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2016-12-28
Company: Netspend Corporation
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have had an account with NetSpend Debit for three years. On XXXX XXXX, 2016 filed a dispute for an inaccurate purchase that took place on XXXX XXXX, 2016. Because I did not receive the product from the vendor. After 15 days plus, I was told that I was not going to receive credit for the amount disputed because the transaction was over 120 days. I requested to have a copy of the Statutes of dispute filing limitations of which I was refused. I received a call on XXXX XXXX 2016 from the NetSpend corporate office and was told that I was not going to receive credit or further investigation based on their policy of " Safe Harbor Law ''. My issue is that their is nothing in any of the marketing literature, documents that I signed in entering the agreement etc. I am demanding to have in document form the policy that states the statutes of filing disputes over 120 days based or due to the " safe harbor rule ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Foris DAX, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have {$38.00} in my crypto.com account. I have asked the company to release my funds, but they require a minimum withdrawal of {$100.00}. However, I have explained to the company that I do not have any money in my bank account. I think my balance is currently negative at the moment, so I have tried to get them to understand that I can not add money to my account to meet the withdrawal minimum. Despite this, they have given me no option in which I can access my funds without adding more money into my account. If I try to add money, I will be charged a {$30.00} overdraft fee by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX : XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2016-08-30
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I recently contacted Discover because I was behind in my student loans and wanted to catch up on the payments. After speaking with a Discover representative I was informed I was not able to refinance my loans and discover does not do settlements or work with outside companies. After doing online research I learned this was a lie and the representative was only telling me the company does not do refinancing or settlements so I could keep making monthly payments and not seek a lower interest rates. After calling back and informing the representatives on this matter they transferred me to an account specialist who informed that in fact Discover does do refinancing. After speaking with the account specialist she informed me that in order to refinance a loan you must pass a credit check and have a good payment history, but this is clearly a way to keep you from being unable to re fiance, because if you have not paid your student loans, you credit is effected and you do n't have good payment history ; thus you will not be able to pass there credit requirements and not be able to refinance ; thus you have keep paying higher montly payments and charging more interest. I want to file this compliant for the reasons listed above ; In addition, I get called by Discover on numerous occasion as early as XXXX and as late as XXXX and when I am informed them of the situation they transfer me to another department. I am usually on the phone half a hour at a time, just to tell them I spoke with a representative earlier in the day. This company has lied to me about there policy 's and procedure 's, and calls me non stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: National Collection Systems, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for classes at XXXXXXXX XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX program. Originally they told me I could not register, because I hadn't finished a XXXX  course. Later they did allow me to register, and so I did, but because I hadn't finished the XXXX, they then told me that I could not receive financial aid. I promptly dropped all my classes because I had no way to pay for them. They then charged me a 20 % fee for dropping my courses, even though I never attended and they admitted me past the no fee dropout timeframe. It's not fair or right, that they charged me close to a XXXX dollars and then sent the bill to collections. Predatory practice. They should have not charged me anything, because I promptly dropped all courses before they started. 

Please help me get rid of this on my credit report. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: DISCOVER BANK
State: NJ
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:
Discover Student Loans sent me a letter saying that because I had paid a certain number of payments on time and in full I qualified to have my co-signer removed. My co-signer was my mom who is going to retire in a couple years, I pay all my student loans by myself so I figured not having her attached my loans will help her after retirement. The letter stated that having my co-signer removed would not affect my interest rate. My interest rates are incredibly high, I have great credit and it just plain unfair what Discover is charging me. Since I have removed my co-signer I have had my interest rate climb every month. Again I have great credit, pay all my loans on time, and pay more than the minimum payment. Discover states that because they just hold my loan ( they bought it from another company ) they can do nothing about refinancing it, in my mind then they should not be able to raise my interest. I honestly have no idea what to do or if this is legal or not. I pay almost {$1200.00} a month in student loans ( not just to Discover ) and no one is helping me because I pay on time. I kill myself working to jobs to pay all my loans on time and I am punished because I 've never missed a payment. I honestly do not know where to turn but what Discover does does n't feel right and I would like someone with more knowledge to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/2022, I received a balance transfer offer from Chase card services for my Amazon Visa. I called to ask questions about the program, the biggest of which was " Can I still use the card and avoid any interest or fees on my new charges? '' I was told yes - as long as I pay the full amount I charged that month and the minimum payment due, it would be my " interest saving balance '' payment. So I decided to proceed. I had to listen to a whole recording, which confused me, so I asked it AGAIN, and was assured I would incur NO interest or fees on new charges as long as I paid as described, so I proceed with the balance transfer. 

I then get my first bill since the transfer in XX/XX/2022 and even call to confirm I am paying the correct amount to ensure no interest or fees. I pay MORE than that amount... and then my statement in XX/XX/2022 shows INTEREST. I immediately call and am told I was never told that. I ask them to pull the recorded calls - I am told she can not do that. I ask that this be looked into, as I was told multiple times between two separate calls : NO INTEREST on new charges!!!!! I received a letter a week later that the fine print said otherwise - no look back on THEIR employees calls and statements or how I was mislead. NO apology. NO help. BEWARE as they don't stand behind their words or their employees.

Company response to consumer: Closed with monetary relief