BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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 Accounts have violated my rights. I 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 paid as agreed please delete XXXX XXXX dont see their account 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 2019-08-04
Company: TRANSWORLD SYSTEMS INC
State: GA
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 account has been reporting on my credit since XX/XX/2019. The amount is XXXX. I have sent several request for validation but they keep sending me a bill but not validating the account. It is affecting my score terribly and I would like for it to either be validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I settled this in a CFPB complaint ( XXXX ) earlier this year ( XX/XX/2023 ). 

All 3 bureaus removed the incorrect debt in XX/XX/2023. XXXXXXXX added it back within a month ( XX/XX/2023 ) because the credit holder filed under another debt collection agency. When I called the debt collection agency to let them know this had been settled already through a CFPB complaint AND cease and desist letter they said they couldn't have the conversation with me without providing the information needed to verify my identity. CONVIENTLY the information needed ( my address ) is the same information I know the credit holder has incorrect. I know it's incorrect because I haven't received anything in the mail before it hit my credit report again in late 2023. Even on this website, it's asking me to confirm my social security number or the account number. WHY would I give my social security number to a company that would never have my social security number in the first place? I don't have an account number because I never received anything in the mail before this was added back to my record. These tactics are unlawful and irresponsible. How is this getting added to my credit report without this information in the first place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
The company, or its staff, seem to be threatening to take the business ' refund, in alignment with issues with the local bank staff 's pettiness and irregular professional ethics ( a XXXX here in XXXX ). It is happening virtually. The branch in question is probably irrelevant, as there are several branches here in the same block. ( XXXX and XXXX streets in XXXX XXXX, MA ). Not XXXX or XXXX. Their staff are all qualified, it appears, to hold the same role in other branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} 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 2023-06-22
Company: OLIPHANT FINANCIAL, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 XXXX am I was harassed by Rep XXXX with XXXX also known as Transworld Systems Inc of an alleged debt. I informed the rep that I was at work and was asked numerous times to not contact me of this debt as to I have no knowledge of. XX/XX/2023 I sent them a notice to request information due to them placing this negativity on my consumer report. I never received any information from them before the notice or a response after the notice. I did not consent a contract with company. They have violated many of the FDCPA laws trying to collect on an allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: U.S. BANCORP
State: MS
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 disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

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 2018-08-04
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I visited a Hotel called the XXXX in XX/XX/2018, I had an awful time. I called management during and after my stay. I even emailed with a manager, an email thread in which I provided Discover Credit Card. I advised Discover that if the merchant wanted to bill me, they needed to bill me directly, and NOT through Discover as I was NOT authorizing this charge. Discover disputed it, and the company ignored/ took months to get back, and I was recharged because the hotels corporate office claims that there was no record of me complaining, even though there is a clear email thread that I provided to Discover and then Discover provided it to the XXXX/ XXXX. I was recharged in XX/XX/2018, even though I also provided copies and screen grabs and access to my multiple XXXX  complaints against the hotel. I then started new XXXX complaints in XX/XX/2018 which have gone ignored by XXXX XXXX of XXXX and SBE. I have proof that this was ignored, both complaints were sent back to me advising the merchant refused to respond. I've provided this information to Discover Bank who has REFUSED to stand by me as a consumer and I will not stand for this. The credit card has mistreated me and not stood by their word. I got horrible - XXXX and XXXX service by XXXX XXXX XXXX and then my own credit card company is refusing to stand by me and refusing to dispute the charge. The XXXX has refused to even provide a discount. This is unacceptable! Discover is being 10000 % impossible to work with on this matter. 


My XXXX complaints that have been ignored CLEARLY show that the company doesn't act with integrity and with ethics, yet Discover is putting me through all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-18
Company: Navient Solutions, LLC.
State: GA
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 having issues with Kentucky XXXX XXXX and my credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: GREAT LAKES
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This issues is in regards to XXXX XXXX XXXX XXXX XXXX   and XXXX, information provided on their customer portals, and information given by service representatives over the phone. I believe the company is providing misleading information and does not have consumer 's best interest in mind. 

I have been paying off my student loans for the past 2 years. I have never missed a payment and decided I wanted to be slightly more aggressive with paying off my loans. For this reason, on XX/XX/2019, I made and additional {$500.00} payment outside of my scheduled monthly payments. My goal was to pay off my loan with the highest interest rate. 

Great Lakes does have an option to specify which loan your extra payment will be applied. However, they also have statement on their webpage saying " Once your scheduled monthly payment and all outstanding interest has been paid, we automatically apply any excess payment amounts to the loan with the highest interest rate, thus costing you less interest over time. '' This statement is telling you what will happen if you do not select a specific loan for the excess payment to be applied. 

A few days later, I logged-on to my online portal to ensure the {$500.00} was applied to my loan with the highest interest rate only to find that the excess payment had been distributed across all of my loans. I have 4 loans serviced by Great Lakes with amounts varying from {$2000.00} to over {$30000.00} ( perks of XXXX XXXX ) with interest rates varying from 3.15 % to 6.55 %. 

I called to inquire. I thought it might have to do with the timing of the extra payment in relation to the monthly scheduled payment. 

The customer representative who spoke with me informed me that 1 ) excess payments are not automatically applied to the loan with the highest interest rate but rather my excess payment had been distributed in my " best interest '' with a high percentage going towards loans with higher balances and 2 ) I needed to specify if I wanted the excess payment applied to a certain loan. 

The information shared over the phone and what is happening in practice goes directly against information provided on the website. More alarming was the pressure from the service representative to pay-off higher balance loans rather than higher interest rate loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: U.S. BANCORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Per FCRA as a federally protected consumer. I am now OPTING OUT of Any and all AUTHORIZATION. I the consumer may have given you written, unwritten, verbal and non verbal per 15usc6802 Us bank  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX in. 
( OPTING OUT )

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 2021-07-14
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:
I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately

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 2023-12-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Nelnet is in violation and reporting to my credit profile under non compliance of the FCRA and i have not signed any documents with the company Nelnet reporting XXXXXXXX loans to my account. The university i attended was XXXXXXXX XXXX  and they are under a lawsuit and closing of the school because of fraudulent activity of not providing services. Now my privacy rights have been violated There are 14 Accounts that are reporting and each Violation is pursuant to {$1000.00} per violation. 

*Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their children 's education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education.

20 USC 1232g ( b ) ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: OPTUM BANK, INC.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an XXXX account with Optum Bank. Optum bank maintains an expense history that I can reimburse fully or partially from. Their bank has recently broken the ability to partially reimburse an expense and their agents have said they can't do anything until the back office responds by email. This is a problem since I have a payment plan for an orthodontic bill. 

I'm needing reimbursed from my XXXX as the partial payments are due. When I tried to do a partial reimbursement, as I have in the past, I discovered the Optum bank app has been changed and they've removed historical expense management from the XXXX app. Trying to use the website, the functionality for partial payments is broken ( I've previously only used the XXXX app for this function ). 

I reached out to Optum 's technical support by phone and they acknowledged the functionality is broken on the website and missing from the app. The only solution they offered me was to wait for an email from their back office and they were unable to help me on the phone. This means that I can't issue a partial payment for an existing expense due to their system breakage. I attempted to escalate the problem with a supervisor but have not received an acceptable response- they said they would notify the back office of my feedback and said that's the best they can do. 

As a bank, being able to withdraw funds to issue payments is critical. I'm currently unable to do so due to their website & app issues. No such functionality is offered by the bank via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: LeVasseur Dyer & Associates, PC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX from LeVasseur Dyer Associates P.C is committing Mortgae Servicing Fraud by filing false affidavits to collect on unenforceable debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2015 my wife and i decided to purchase an investment property in Florida. We bank with Wells Fargo for our personal banking so applied for a loan ( looking for prequalification ) to purchase a condo at price around {$250.00} XXXX XXXX XXXX we found a property made and offer and had it accepted partially because we were prequal 'd for the mortgage. We then went to to Wells to get the mortgage processed. We submitted additional information requested and after 30 days were told Wells would not do the loan even though we offered to pay a 25 % down payment Prequal was based upon 20 % ). We now find ourselves having to scurry to find alternative financing or lose our earnest money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation