BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-18
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/18 from : Transworld Systems Inc XXXX XXXX XXXX XXXX, OH XXXX XXXX ( alternate address XXXX XXXX XXXX XXXX, DE XXXX XXXX ) Stating that I have a past due account in the amount of {$50.00} with original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The account # given is XXXX. 

I have not done business with XXXX to my knowledge and never received any communication from XXXX prior to receipt of this notice from Transworld. This is obviously a false claim although I am unsure of the source. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Paypal Holdings, Inc
State: CA
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 tried countless times throughout the week to withdraw my funds have them transferred or even put on a gift card so that I'm able to use them everyday this week I have used a different excuse as to why they're unable to give me my money I spoken to countless managers who have given me empty promises and the do not follow through on anything they say they're going to do and each manager says that they have no idea why the prior manager would say that because that's not even a real thing that they do it has been every day for the past 6 days I have called trying to figure out why there is an error message everytime I try and transfer funds and I get a different excuse from each manager not just a customer service rep

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: SC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: 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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  has reported on my TransUnion credit report on XXXX, XXXX, 2020. Ive NEVER done any business with this company. I dont know this company and I definitely believe this is Fraud. I want this company deleted from my TransUnion credit report 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 2023-07-14
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 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NY
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been 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 2018-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As of XXXXXXXX XXXX on XX/XX/18, my checking account was negative {$78.00} due to three pending transactions. A cash deposit of {$80.00} was made before XXXX XXXX   to bring the account positive {$1.00}. At XXXXXXXX XXXX, the account was showing - {$140.00} because of a {$150.00} XXXX transaction that was pending. 

In every conversation had with previous representatives, the cut off time for deposits ( cash or otherwise ) was always stated as XXXX XXXX. When the {$150.00} XXXX transaction hit the account, a second deposit was not made because of the information given during every previous conversation with representatives. I did not think another deposit wouldve prevented a fee for this single transaction. 

Today my balance is showing - {$290.00}, including four {$35.00} overdraft fees. Not only was I charged a {$35.00} fee for the {$150.00} XXXX charge, I was charged a total of {$100.00} in fees for the three transactions that were  previously pending. 

I spoke to a representative today and explained that I made an {$80.00} deposit before the XXXX cut off time to avoid being charged three OD charges. I understood the {$35.00} fee for the {$150.00} XXXX charge. I was told I had until XXXX XXXX to make a cash deposit, which contradicts everything Ive been told during every other conversation with BofA reps. Ive also been told processing happens with the lesser dollar amounts paid first to allow for more transactions. In todays conversation, that suddenly reverses too with larger items paid first. 

I believe the processing order and the fee logic violate UDAAP resulting in disparate impact. I deposited {$80.00} by the cutoff time given by BofA numerous times. The {$80.00} was deposited to avoid three {$35.00} fees as guided by BofA reps. A second deposit was not made to cover the - {$140.00} because of the information supplied by BofA reps. Now I have large negative balance because the cutoff time and the processing order previously communicated by BofA reps was inconsistent with information given today.

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 monetary relief
Consumer complaint received 2023-10-26
Company: Nelnet, Inc.
State: MI
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:
My previous loans were transferred from Great Lakes Loans Servicer to Nelnet. I have contacted my school numerous times and on the Nelnet website hit the in school deferment option. When I contacted the school they have said XX/XX/XXXX they updated the clearinghouse which shows I am in school half time. I was on a 3 hour hold for Nelnet XX/XX/XXXX and I was assured they had this and just needed to process it and no payments were due. My first payment would of been due XX/XX/XXXX. My account now shows past due and I dont want any issues with my credit, etc. XX/XX/XXXX I submitted an enrollment verification from XXXX XXXX to Nelnet. I also, have taken out a loan this semester which on Nelnet is showing in school status but they have failed to change the status for my previous loans. I due not have time to sit on long wait times for Nelnet and they do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax claims they have completed their investigation and determined that I have an account with XXXX XXXX which is absolutely false and Equifax should be able to easily determine that it's false through their own records. XXXX was included in my XXXX XXXX XXXX  that was discharged on XX/XX/. XXXX acknowledged this by inserting a comment about my bankruptcy and no longer reporting the debt though they continued to harass me by phone. Suddenly, when I was recently approved for two credit cards, XXXX removed the comment and posted the reaged debt to my credit profile. Equifax concluded their so-called investigation by claiming the debt to XXXX was valid. Please assist me as I'm trying to rebuild my credit. I can't imagine why Equifax has decided to assist this lying company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: DE
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Late open : XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Late close : XXXX XXXX XXXX Balance : {$0.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Inquiries RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-02-10
Company: EQUIFAX, 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:
in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 2022-11-05
Company: Resurgent Capital Services L.P.
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:
On XX/XX/XXXX, I received a letter from Resurgent  stating XXXX XXXX XXXX XXXX SOLD my personal and private information to them on XX/XX/XXXX and to LVNV Funding LLC on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
XXXX XXXX XXXX claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I submitted a domestic wire transfer ( Tracking : XXXX ) to cover an over-draft transaction, in accordance with their overdraft policy. Discover 's webpage clearly states to allow up to XXXX business day to allow for a clearing wire transfer. The next business day ( XX/XX/XXXX ), the overdraft transaction was returned and wire transfer missing, prompting customer to call customer service. 

Customer service representative acknowledged the bank 's receipt of the wire transfer, but admitted that the bank had failed to post the funds ( at time of writing, the funds are still not available on the online ledger ). 

Customer service agent further misrepresented any potential claims process by denying that Discover had any team or official mechanism to accept a written complaint of any sort, in spite of their " Consumer Advocacy '' department being advertised across their website and discouraging submitting a CFPB claim on my own accord since the bank allegedly " does not process complaints ''. 

Returned XXXX XXXX payment caused reputation damage with the organization, as well as a {$40.00} return payment fee. Further, wired funds are still absent from ledger, causing a total {$120.00} current loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX I got a Home Equity line of credit from XXXX XXXX XXXXXXXX. The monthly payments were automatically being withdrawn from account. Therefore I was never late nor has I ever missed a payment. Unfortunately I lost my full time employment XX/XX/XXXX. On XX/XX/XXXX I filed XXXX XXXX and was given a monthly payment plan by court ordered Trustee. At that point the XXXX XXXX XXXX automatic payments stopped XX/XX/XXXX. XX/XX/XXXX I completed the repayment plans and got a successful discharge. The XXXX XXXX XXXXXXXX account was included in the payment plan. Immediately after I got my XXXX XXXX  discharge I started receiving numerous notices of payments request from Specializes Loan Services LLC. I had no idea who they were because I had never done business with them. I later learned that XXXX XXXX  XXXX gave or sold them my account after my discharge. Specializes Loan Services LLC has been demanding full payment from XXXX which those payments had been going to my trustee per the Court Order. Now Specialized Loan Services LLC have totally destroyed my credit by reporting to all the major credit bureaus that Im has 34 late payments on my mortgage. My actual primary mortgage is with XXXX XXXX XXXX XXXX which Ive never been late or missed a payment. These actions taken by SLS is now jeopardizing my Top Secret Clearance which Ive had for over 30 years which jeopardizes my meaningful employment capabilities. Ive tried everything to get this matter resolved but SLS operates like an aggressive debt collector demanding {$25000.00} from me. In XXXX I filed XXXX XXXX to help get myself back to financial stability. SLS has now unjustly risk my chances of decent employment and or cash out refinancing. Ive attached 3 documents which verifies what I have outlined in this report. Both XXXX XXXX XXXXXXXX and Specialized loan services are reporting the same account to the credit bureaus. I find it hard to believe that this is a legal action. Right now I dont have the funds to hire an attorney to address these critical matters.

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 2023-08-23
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief