BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am penning this missive to formally lodge a complaint against Rent Debt Automated Collections, herein referred to as " Rent Debt, '' due to their unlawful debt collection practices and unauthorized procurement and utilization of my personal data. Rent Debt has contravened several federal and state statutes in both Texas and Tennessee. Consequently, I respectfully beseech the Consumer Financial Protection Bureau to commence an investigation into this matter.

Rent Debt has transgressed the following federal statutes : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Sections 1692e, 1692f, and 1692d Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Sections 1681b and 1681s-2 Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809 Rent Debt has contravened the following Texas statutes : Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306 Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05 Texas Rules of Civil Procedure Rule 76a Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ) Rent Debt has potentially breached the following Tennessee statutes : Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107 Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107 The infringements encompass Rent Debt 's endeavors to collect a debt that has, in fact, been satisfied, the procurement of my personal data without a legitimate purpose or my explicit written consent, the implementation of belligerent, vexatious, or abusive stratagems during debt collection efforts, and the failure to adhere to the registration and bonding stipulations mandated by Texas law for third-party debt collectors.

I entreat the Consumer Financial Protection Bureau to scrutinize Rent Debt 's collection practices and the potential violations of federal and state statutes. Furthermore, I advocate for collaboration with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other germane state and federal authorities to ascertain that Rent Debt is held accountable for their actions, desists from unlawful collection endeavors, and complies with all pertinent laws.

I express my gratitude for your consideration and attention to this matter.

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2018, I set up a recurring payment in the amount of {$550.00} to cover the amount due monthly to XXXX Heartland, the loan servicer for 3 loans I hold at XXXX XXXX. Since then, the money has been debited from my bank account, and I have received no notice that anything has gone wrong. Today, I got an email from XXXX XXXX  stating that one of my Perkins loans was two months delinquent. When I logged in to my XXXX account, I found that my monthly payment had not been covering the full amount due for my loans, and that one of my Perkins loans was 2 months delinquent despite my automatic payments. 

When I called XXXX for assistance, they told me that the automatic payment of {$550.00} was not covering the full amount of the loans because the loans had started to accrue late fees due to the payments being posted on the XXXX of every month when the loans come due on the XXXX each month. Because my payments were being made late every month ( instead of being made on the XXXX to cover the payment due on the next XXXX, as I assumed ), they had been taking part of the money supposed to go toward one of my Perkins loans and instead applying it to the late fees, causing my loan to show that it was delinquent for two months. When I asked them how it was possible to set up an automatic payment on a date past the date when the loans were due, they let me know that there is no protection in their system to prevent from this, so they just allowed my automatic payments to proceed without any adjustment or notification that the loans were being paid late every month. This explanation, quite simply, is ridiculous. Automatic payments are meant to be set so that the payor does not have to log in to his account every month and make sure the correct amount is being paid. XXXX has set up a system in which they are able to collect late fees by allowing people who are attempting to diligently pay back their student loans to make late payments, and this practice is both ridiculous and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 Account number 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
Yet again I tried to access my account. It wouldn't let me sign in. I used their verification process entering my social security twice and my last name. It wouldn't process the information and kept clearing the screen and not continuing. Tried chat and they did nothing. Transunion continually locks me and others out and refuses to let us get our credit reports on a regular basis. The one time I got in they had weird stuff on my account which I reported and nothing was done about. I am attaching a copy of it and request that you stop them from continually locking people out for no reason, and then when they enter their information as verification refuse to process it.

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 2023-08-13
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
Just because the contract was transferred does not mean the rights to enforce performance was transferred. This is an illegal debt and reporting it has caused me harm. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NJ
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 explanation
Consumer complaint received 2023-05-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was placed on forbearance after I finished XXXX  school. I should have been offered and given income based repayment so that the interest would not capitalize. I want my loan balances to be adjusted and want all of the extra interest I was charged on wrongfully capitalized interested to be credited to my loans. For loans I have repaid, I want that extra money to be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: TX
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-10-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification that a collection for an amount not owed was placed on my credit by Hunter Warfield. In XX/XX/2015, my wife and I were looking at moving to XXXX from XXXX and we reached out to XXXX XXXX XXXX. XXXX was the rep, and she told us that they had an apartment that might meet our needs that would be coming up. We had specific concerns due to having dogs and we were not familiar with the area. We were told that she could hold the unit for us for a period of 10 days if we filled the application and paid a {$99.00} application fee ( please see emails below ). We paid the fee and came out the week before XXXX. We were not happy with the unit and decided not to move forward. We told the agent that same day but followed up with XXXX on the XXXX. We never heard anything afterwards until we received a letter from Hunter Warfield. We never signed a lease or agreed to anything beyond the application. Hunter Warfield has not sent us any proof of the debt other then invoices from XXXX XXXX XXXX. The invoices were created weeks after we decided against the apartment and they weren't signed by us. The email that I will attach will show that at no time were we told of any fees other then the credit application fee of {$99.00} that we paid. 

The only proof that Hunter Warfield provided us after we disputed this was Internal Documents created by XXXX XXXX XXXX XXXX. Most were created weeks after we decided against the apartment. I have attached all the documents that Hunter Warfield has provided us with and none of it was agreed to before hand. Hunter Warfield claims that they don't have to prove that we agreed to the charges. They simply wouldn't remove the debt because their client want us to pay this amount even though we didn't agree to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday morning of XX/XX/2023 before XXXX XXXX., XXXX XXXX 's debit card ending in XXXX was stolen from the vicinity of XXXX XXXX XXXX XXXX and replaced with the debit card of a XXXX XXXX. After XXXX XXXX 's debit card was stolen, it was taken to the XXXX ATM machine at XXXX XXXX XXXX XXXX and XXXX separate transactions of {$200.00} were stolen from XXXX XXXX 's checking account. Additionally, an unauthorized ATM transaction of {$4800.00} was transferred from Savings to Checking by the individual that stole the debit card. Subsequently, XXXX additional transactions were made at XXXX XXXX XXXX of {$100.00} ( including {$100.00} cash back ), {$42.00} ( including {$40.00} cash back ), {$41.00} ( including {$40.00} cash back ), and {$3.00}. XXXX XXXX took an XXXX home from XXXX XXXX XXXX XXXX at XXXX XXXX. to XXXX XXXX XXXX XXXX at XXXX XXXX. At XXXX XXXX. on the afternoon of XX/XX/2023, after awaking, charging his dead phone, and seeing a fraud alert issued by XXXX for XXXX of the {$200.00} ATM transactions, XXXX XXXX XXXX via text to cancel the debit card and called XXXX to submit a claim for fraudulent debit card use for the XXXX aforementioned transactions. On Tuesday, XX/XX/2023 at XXXX XXXX., XXXX XXXX received a XXXX message from a XXXX XXXX asking if XXXX XXXX 's card was stolen over the weekend and confirmed that a couple came up to XXXX XXXX and helped him get an XXXX, but also presumably stole his card and replaced it with XXXX XXXX 's card. XXXX XXXX confirmed he was approached by the couple on the XXXX XXXX XXXX  XXXX XXXX after leaving XXXX XXXX and has preserved my debit card. Chase Bank proceeded to temporarily fund the XXXX XXXX claim for {$180.00} pending investigation, but ultimately denied the claim due to the compromised PIN allegedly used with no incorrect attempts. Chase Bank also promptly declined the XXXX separate withdrawals for {$200.00} each, totaling {$1000.00} due to the compromised PIN allegedly used with no incorrect attempts ( despite a fraud alert being triggered from XXXX of the attempts ). After the claims were denied, XXXX XXXX closed the Savings account on XX/XX/2023 and the Checking account on XX/XX/2023. XXXX XXXX further received a letter from Chase Bank dated XX/XX/2023 requesting payment of the {$180.00} that had been credited to the Checking account after being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Edfinancial has been reversing payment on loans that are being paid on time, resulting in more interest on said loans. Edfinancial claims it is a problem with my bank when all information is correct and amount in account is more then enough to cover the loan that is being paid on time. Company is useless in terms of contacting and trying to deal with the problem.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I tried to close my Synchrony Bank issues PayPal Cashback Mastercard but there is absolutely no way to manage card online or reach any support on their website.

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 2022-11-23
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Company: Experian Information Solutions Inc.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/ to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance : {$480.00}

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