BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute with Experian, for the last year they have been sending me letters saying they will not investigate the accounts that are wrong. I called them and asked them why they had not specific reason and then denied me from disputing over the phone. I also told them that there were inquires backed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX that were listed that i did not approve, insurance, utilities and credit being that i have lived at my address for over 10 years. I tried to contact the creditors as i was told with no response as well.

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 2018-06-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I AM TRYING TO CLEAN UP MY CREDIT AND I SEND A GOODWILL LETTER TO THE SCHOOL ASKING IF THEY COULD REMOVE THE 3 LATE PAYMENTS I HAD BECAUSE I HAD HIT A ROUGH PATCH IN MY LIFE AND FOR 3 MONTHS I COULD NOT PAY. XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX I WAS UNABLE TO MAKE A PAYMENT. WELL WITH THOSE 3 LATE PAYMENTS IT SHOWS I HAVE 27 LATE PAYMENTS BECAUSE I HAVE A FEW LOANS SO ITS MAKING IT HARD FOR ME TO GET CREDIT OR TRY TO GET MY FINANCES IN ORDER, I AM BACK IN SCHOOL NOW AND I JUST NEED SOME HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
On XXXX I 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. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives 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 litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My compaint is on XXXX I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX 2022. I had XXXX they let them shut down my whole communication. For the whole race. I am a two time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been using my identity. and now I have a whole bunch of unauthorized hard inquries on my credit report prohibiting me from getting credit. 

list of unauthorized hard inquries with a FTC report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX. Thank you for taking your time out of your day. my desired resolution is the have all of these unauthorized inquires 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My government bankrupted me, and I'm now XXXX. I am currently doing contract work to stay afloat. Yesterday, I paid my final payment on my final debt on my credit report. I don't wait for a bank or agency to report anything. I contact the credit reporting agency and submit a dispute advising it has been paid/settled in full with details of what exactly the deal was with that creditor/collector. I called transunion to report and submit a dispute to advised another account debt has been settled in full. The agency told me I already had several disputes pending and I could not submit another until XX/XX/2022. 

I didn't put myself in this situation. My government did. I've done everything I was supposed to do over the pandemic and continue to seek employment while I do XXXX XXXX and XXXX XXXX XXXX XXXX. 

I just want to submit my dispute for settled in full and move on! This constant having to fix a situation that I did not put, myself in is XXXX. Not one place designed to help did, and I am once again having to take matters in my own hands because my government has destroyed my entire lifes work, my credit, and did not think ahead at all about the consequences of their actions and decisions. And I'm paying for it while they still have a home to go to.

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 2016-12-27
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received letter last week from Cooling and Winter a law firm which states they do n't have any attorney personally evaluating my account however XXXX is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: AZ
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 Acct # 's 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2020-10-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I XXXX XXXX XXXX MADE A CALL TO THIS COLLECTION AGENCY REGARDING A DEBT OWED IN THE AMOUNT OF XXXX IHAD SPOKEN WITH A GENTELMENT WHO WAS EXTREAMLY RUDE I EXPLAINED TO HIM THAT THE ADRESS ON THE LETTER WAS WRITENT IN TWO DIFFERENT WAYS.. 

THE REPRESEBTATIVE SAID I DONT CARE, .. HE KEPT STATING ARE YOU GOING TO PAY THIS DEBT YES OR NO I SAID IS THAT HOWXYOU TREAT THE PATIENT THAT OWES THE DEBT, I ASKED FOR VALIDATION OF THE DEBT AND FOR A MANAGER .. HE HUNGED UP ON ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the US Small Business Administration ( SBA ) XX/XX/XXXX for {$17000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). This was sent to my personal checking account at Citibank. Citibank subsequently froze my account, eventually stating that it was because the funds were sent from the SBA to a personal account and not a business account, which they considered a sign of fraud. I am a sole proprietor with an EIN through my personal name. Citibank did not alert me that my account was frozen ; I found out because automatic scheduled transfers from the account ( to pay my credit card and myself ) were not working - even though I was still able to deposit funds into the account. They proceeded to cancel my account XX/XX/XXXX. When my account was cancelled, I was mailed a check for the total in my account MINUS the XXXX amount of {$17000.00}. Citibank did not send me any documentation regarding the missing funds ; the XXXX total essentially just disappeared. I received a bank statement for XXXX XXXX XXXX XXXX noting my total funds were withdrawn and that my account was now closed. Since XX/XX/XXXX I have been on a countless phone calls with Citibank to try and figure out where the missing XXXX funds are. I was told the XXXX funds were sent back to the SBA, however the SBA continuously states they have never received the funds. On XX/XX/XXXX, through another call with with the bank, I was told that Citibank still has the funds and that I need to send a " letter of written authority '' asking them to disburse the funds back to sender ( SBA ). I was instructed to send the letter via fax or mail a physical copy. On XX/XX/XXXX, I both faxed and mailed this letter, but have not received any further information since then. I tried calling Citi again today ( XX/XX/XXXX ) after speaking to the SBA, who have yet to receive the funds. I was told that my Citi account has now been " blocked '', since XX/XX/XXXX. I have no information whether Citibank still has the XXXX  funds or if the funds are being sent back to the SBA, and spent over 3 hours on phone calls today trying to find any information but still have no resolution.

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 2022-05-27
Company: FISERV INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
www.clover.com CLOVER XXXX XXXX XXXX XXXX XXXX XXXX  This company started holding my funds from XX/XX/XXXX - XX/XX/XXXX and decided to close my account on XX/XX/XXXX. Clover, then wrote a letter to our company stating that it would take 30-90 days for us to receive the funds for any potential chargebacks, which we understood and we were patient and waited the full 90 days and we still have not received our funds that were on hold by them in the amount of {$5800.00} US Dollars. Our company has tried multiple times to reach out and get this resolved and we have not received any response. Our small business is family-owned and we opened during the COVID-19 pandemic and have struggled to make ends meet during this time and for this XXXX XXXX  CLOVER to hold our funds for past the 90 days is very unfair and to not have any response by them is extremely frustrating. We hope we can get this resolved by your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Medical Data Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called over a year ago in XXXX of XXXX after a hospital visit XXXX months prior and was told I owed {$1100.00}. 
I called the hospital who the debt claimed to be from and they said that my payments were complete and that they had nothing on record saying I owed any money and it may be a scam. 
A year later in XX/XX/XXXX, I noticed negative marks on my credit score and managed to log into the collectors site. 
I never received any form of mail or email and no other phone calls. 
When I called them, I was told they did not send email verifications and that there was nothing to send in the mail since they had already done so many times. 
I was also told that the majority of the charges were because of late fees, etc. 
This debt is from another state and I have moved since then but never received any mail or other notifications since.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, U S DEPT OF ED, XXXXXXXX, XXXX  Account # XXXX, 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 : 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 non-monetary relief
Consumer complaint received 2017-10-12
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters to Bullcity Financial seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove indebtness to them? This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-05-27
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a XXXX American Express XXXX card. The advertising suggests that recipients receive a waiver of their annual XXXX spend if they spend $ XXXX or more on their card in a calendar year - indeed, this was the case when I opened my card first. However, I have not been receiving this benefit, and when I contacted XXXX they said that benefit had been removed, including from existing cardholders. They claim it happened in XXXX. However, XXXX was unable to provide evidence of a notification being sent out and was unable to identify when existing cardholders were notified of this arbitrary and capricious change. 

I spoke with XXXX today ( XX/XX/XXXX ), and they were unable/unwilling to provide any remediation or any details on when this decision was notified. They were only able to provide a copy of this article, supposedly posted on XXXX 's website in XXXX, where you can see in small letters a notification that this benefit was removed. I do not find this to be sufficient notification. 

XXXX XXXX XXXX XXXX XXXX marketing is also extremely deceptive, as their website strongly suggests that all XXXX AmEx cardholders receive this benefit. The lack of this benefit is not made easily viewable within XXXX 's promotional materials or information about different types of AmEx cards, so there is little way for cardholders to discover that they do not have this benefit. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act 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 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