BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Penn Corp failed to provide me an option to validate or dispute prior to placing a derogatory account on my credit report. They placed two separate derogatory accounts on my credit report dating XX/XX/2022 and XX/XX/2022. I was not aware of this alleged debt with XXXX until my credit card company notified me of the first derogatory account. 

Penn Credit failed to provide me a validation notice. They called an incorrect phone ( XXXX ) number three times, allegedly mailed a notification on XX/XX/2022 and my credit report showed a derogatory account on XX/XX/2022. I verify my phone number with XXXX each time I go for services. Calling an incorrect number is unacceptable. 

The alleged mail notification that Penn Credit sent was dated XX/XX/2022 that I received today. 

On XX/XX/2022, I spoke with a XXXX XXXX and XXXX at Penn Credit. I first spoke with XXXX XXXX and requested I requested a copy of the doctors orders ( if applicable to my alleged debt ), a copy of all alleged correspondence, a copy of the EOB XXXX should have received from my insurance, and the actual claim that XXXX submitted to be sent certified mail in order to confirm receipt. XXXX XXXX stated that my request was completely unreasonable in my pursuit of verifying the debt and transferred me to her supervisor XXXX. 

XXXX claims that Penn Credit can not send me the requested information via certified mail. Clearly I have not received anything on this alleged debt. My credit score went from XXXX to XXXX after the first derogatory account was placed. Having a XXXX credit score clearly shows my attention to detail and care/concern over financial matters. I haven't received an updated after the second derogatory account was placed. 

The amount of this alleged debt is outside the expected with my insurance. Through my insurance I do not have a deductible or coinsurance. I am responsible for a {$10.00} copy for a primary care/PCP appointment, {$20.00} copy for a specialist, and a {$35.00} copay for an emergency room visit. A debt of {$680.00} is well outside a reasonable amount for my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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  account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( XXXX ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The following attached information is in relation to my complaint # XXXX regarding negligent handling of my attempt to payoff a personal loan. I just received the attached information today in the mail. The letter from the USAA Federal Savings Bank claims that " Your payment was incomplete due to invalid or missing account number. '' As you can clearly see from the check that they returned to me, the loan number is clearly written underneath my signature. I have also enclosed the " Consumer Loan Statement '' I received from them five days before it was due. The loan numbers on my personal check and their loan statement are a perfect match. There is no basis whatsoever for rejecting my payment. This is willful and deliberate negligence which resulted in inexcusable extra expenses on my part to correct the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX around XXXX EST I set up a funds transfer from my outside bank to my USAA checking account in the amount of {$2000.00}. To date this transfer has not been completed. I attempted to access my account on XX/XX/XXXX and was denied access stating that I was required to complete a W9 before being allowed access to my checking account. I was transferred to an electronic W9 form that did not work with an error message that instructed to call USAA for assistance. I attempted to gain access to my checking account for a while longer before reaching out to USAA XXXX. I spoke to XXXX XXXX XXXX. She told me that it was required that I complete a W9 yearly despite my having no products for my business at USAA and USAA sending all of my investment products over to other companies several years ago. 
I asked to have my account unblocked immediately. My request was denied. I was told that I would have to complete the form that was not accessible on the web before my account could be released. 
I asked to have the form sent to my account so that my account could be released. XXXX refused to send the form to my documents. 
XXXX also refused to transfer my call to the department that handled the block and W9 forms.

I have also signed W9 's previously. 

XXXX was unable to provide a reason as to why the bank needed a W9 or as to why the bank allowed me access to my accounts on XX/XX/XXXX but blocked my access on XX/XX/XXXX and did not completed my transfer from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX with account number XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 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 2022-12-13
Company: PNC Bank N.A.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/2022, I went to PNC Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX  and asked for the current interest rate for a lease buyout. After the banker, XXXX asked me a few questions about the vehicle and terms, I was given a range with a base interest rate of 5.44 %. I also asked how the debt-to-income would be calculated and specifically asked if the outstanding balance on my credit card that I pay off in full each month would be a factor. I was told as long as I pay off the balance each month in full, it would not affect the debt-to-income calculation. After being satisfied with the base interest rate and debt-to-income calculation explanation, I allowed the banker to run my credit. After a couple days, the banker called and told me I was approved for a rate of 6.24 %. I then inquired why it was not at or close to the rate of 5.44 %. I was told it was due to my risk factor. I was told in order to qualify for 5.44 %, I would have to be at a risk factor of XXXX and I came in at a risk factor of 1. I then asked how much does the interest rate increase as the risk factor increases. I was told that the interest rate increases by .5 % for a risk factor of 1. This prompted me to ask why wasn't the offered interest rate at 5.94 % ( XXXX ). I was then told that the base rate was 5.69 % and not 5.44 %. I then stated, well if that's the case, then why was the rate not 6.19 % ( XXXX ). The banker then stated that underwriting determined the rates and he would put in a complaint requesting that the rate of 5.94 % be honored because he gave me incorrect information regarding the interest rate and how the debt-to-income ratio was calculated. After the banker put in a total of three complaints within various departments within the financial system and 1.5 months later, all complaints were denied. Ultimately, I was told that they will talk to the banker to make sure he doesnt provide customers with inaccurate information moving forward. Had I been given an accurate interest rate initially, I wouldnt have allowed PNC to run my credit which ultimately decreased my credit score. I would have allowed the financial institution with the lowest base interest rate to run my credit. I would also have paid off my credit cards and waited multiple months with a balance of zero prior to allowing them to run my credit to better my debt-to-income ratio, if I had been given accurate information as to how the debt-to-income ratio was calculated. Due to the inaccuracy of these critical pieces of information, PNC has caused me to be put in a position of paying more over the life of a loan resulting in additional undue debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, 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:
I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went XXXX and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am having repeated problems with TRANSUNION primarily. They have changed the account infomariont of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. TRANSUNION and now, XXXX, had re-imputed the balance owed as {$490.00}. I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that TransUnion has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with XXXX as well. I OWE NO BALANCE TO XXXX XXXX XXXX XXXX AND THEY CAN VERIFY THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chime is claiming on XX/XX/XXXX I did 2 atm withdrawal. XXXX XXXX and one at XXXX XXXX. I tried to explain to representative that I did the atm withdrawal at XXXX am but not the one at XXXX PM. They denied first dispute within 3 days. I then asked for a rebuttal in sent in my location history, my daily withdrawal limit which is XXXX XXXX a day and my spot me limit which is only XXXX. But they denied the rebuttal. So I asked the representative what my possible information could they possibly need. I have called repeatedly explaining to them that they made a mistake and they just say yes we see it here but we still have to wait on the investigation to be completed. Just for them to denied my dispute again. I also told them I'm on XXXX please just refund my money because it takes everything I get just to make it. If it was something I truly did I wouldn't be disputing it, but they refuse to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase at the XXXX store on XX/XX/2022. I never received a statement. I did receive an email XX/XX/XXXX saying a payment was due soon. I paid through my XXXX XXXX  online bill pay, check # XXXX. I called on XX/XX/XXXX because they had not yet received the check. They asked for a phone payment which I declined as their call center is in the XXXX and we had just had fraudulent charges on our XXXX XXXX XXXXXXXX XXXX bill. I was unwilling to give them access to our checking account. They waived late fees and interest charges. XXXX XXXX  issued check # XXXX on XX/XX/XXXX which should have arrived before XXXX XXXX it is XXXX weeks later and they have still not credited the payment to my account. They continue to add late fees and finance charges and even a returned check fee when I told them I was stopping payment to XXXX because I assumed it had been lost. 

I might have believed them the first time when this happened in XXXX of 2022, but now I suspect fraudulent practices to gain late fees and interest. As soon as this matter is resolved, I will shred this credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
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:
I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX  ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )

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 2022-06-21
Company: FISERV INC.
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
dear Sir! 

This is about a pay card by Money Network. I worked at XXXX XXXX in XXXX XXXX Ohio. I was given a money network pay card. It took me longer to activate the card. 

I had difficulty in approaching the pay card company for any difficulty for services like reset pin or change pin. During pandemic the phone lines are busy and longer wait times and so on. I had some tine been able to call to find out balances. I came to hear of {$5.00} charges for previous months. The balance tended to be XXXX. 

I guess that I may have charges for non use of card. I have other pay cards as well and often check for any activity or fraud. I could not reach and succeed to speak to call representative. We do not have any other, practical to inquire. The pay card do not send monthly statement or on line alert. I understand that the pay card company has my address and e mail or phone #. 

It is understood that the card holder is bound by payment agreement by the card company. I have to be sure that dormant accounts are charged. But the alerts are not obligation or even fair practice. This can help the card holder from repeated charges. 

I will request that Money Network see in my card activity and let me know of charges. 
If possible, I am allowed to reverse the charges. The pay card company should encourage savings for their members and not spending. Also the communication can build trust. Loosing trust an one card can result in refusing any or all card by the user. I hope the company will review the complaint from the view point of user. 

Thanks. 

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 2023-09-28
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet is refusing to work with the Dept of Education on my full dismissal and refund of all payments made due to the Sweet v Cardona case. DOE assures me the approval is in and they are working on it, but the XXXX out and refund has to come from Nelnet, who just received my loan in XX/XX/2023. I have called Nelnet five times to discuss this, and they refuse to allow me to speak to a manager. They also refuse to communicate with the DOE. They refuse to follow up on missing documentation with DOE and they refuse to accept the documentation of my approval of full dismissal and refund ( ie, email from DOE confirming ) directly from me. DOE won't help because they say the servicer is responsible. Meanwhile, I'm getting notices of payment due on a loan that is supposed to be automatically placed in forbearance.

Company response to consumer: Closed with explanation