BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

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 2020-09-05
Company: Suburban Credit Corporation
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted suburban credit Corp on XX/XX/XXXX the same day I saw the debt appear on my XXXX XXXX app. They wouldnt verify what it was or any of my information. I never received any type of notification from this company at all stating I owe them anything. They never emailed, sent a letter or called me at all. I also sent XXXX a letter 30 days ago and havent received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Nelnet, Inc.
State: SC
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:
XX/XX/XXXX ; I submitted the XXXX XXXX Discharge Application to my student loan servicer-Nelnet. I explain during the initial phone call that my loans were already paid in full. However, I was told that I could submit my package anyway and see what would happen. I submitted my application ; and I was approved. I was told that I would be refunded all paid loans from XX/XX/XXXX to present which totals over {$26000.00}. I was then told that I needed to wait 180 from the date of application which would put me at XX/XX/XXXX. I have called several times to Nelnet and to the Department of Education and I have not gotten anywhere. When I called in XX/XX/XXXX ; ; I was told that I needed to wait until XX/XX/XXXX before I would receive my refund. Then on XX/XX/XXXX I received a phone call from Nelnet stating that they were NOT going to refund me the paid loans even though I have everything in writing and they knew from the beginning that my loans were paid in full. I have in writing that they approved and that they were going to refund me my payments and now verbally stating they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Driveway Finance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
bought my car in XX/XX/2022 from Driveway.com. I reached out several times to the comps because the car was damaged upon delivery. They ignored me and finally responded after my return window had expired. It is now XX/XX/2022. My car is still not registered. Ive emailed, talked with their escalation team, and my state attorney general. Theyve sent several POAs and Ive sent them back. Each time I call for an update they cant give me an answer. They tell me if I get pulled over to show proof of purchase which doesnt even look legit. I was pulled over XXXX because my temp tags have been expired since XX/XX/2022. The temp tags were only good for 10 days. I have stopped paying on the loan since I can not XXXX XXXX the car legally. Its sickening that I bought this vehicle and cant even drive it!!! I have no transportation due to this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, TD Bank accepted two checks for deposit made payable to me, my wife, as well as our lender XXXX XXXX XXXX XXXX. TD Bank cashed these checks despite the fact that the checks were not endorsed by any of the parties the checks were made payable to. The checks were in the amounts of {$13000.00} and XXXX respectively. TD Bank check detection contacted us by phone from XXXX to explain that an account holder had deposited the checks into their bank account on our behalf. We explained that the checks had not been received and no such permission had been granted. We later determined that the checks were mailed inadvertently to a previous address and stolen presumably by a TD Bank account holder. When we contacted TD Bank back to resolve the matter they refused to provide us with any information and do not return our calls. Copies of the checks provided clearly demonstrate that proper bank protocol was not followed. The following actions have been taken to no avail : a police report has been filed, USPS notified of the mail fraud, and affidavits filed at the issuing institution : XXXX XXXX  XXXX. Copies of the documents have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I can not afford my monthly payments. Previously enrolled this creditor with a debt management credit counseling plan and I eventually had to remove XXXX because they truly do not help. 

After removing them from my credit counseling plan, I contacted XXXX myself to see what options they have to assist those who can not make their payments. 

Their only options are to refinance or to push the monthly payment back. Neither of these options are true options when the loan ( 1 ) has a 149 % interest rate that ensures that payments will be high and customers will likely have to miss a payment, thus hindering their ability to qualify for refinance due to the negative notations they will get on their credit report and ( 2 ) they do no address or change the amount paid every month to be more affordable. 

This company offers NO hardship plan accord to them. Other companys who provide installment loans do. XXXX has decided receiving no payments at all and defualt would be better to offer some sort of hardship assistance for people that truly want to pay their debt. 

I was previously advised by a XXXX XXXX agent to cancel my debt management plan and to work with them directly. 

I am only current now after struggling and borrowing money to get myself current and I was under the impression that once current I can gain assistance. I would not have struggled and borrowed only to find out that I was once again lied to and misled by XXXX agents. 

I need true hardship help. 

A 149 % interest rate is extremely unreasonable and this company absolutely engages in predatory lending, offering loans to people who can not get a loan elsewhere with extremely high rates in addition to making sure they do not offer any assistance should customers can not pay their monthly payments which MOSTLY if not ALL only go to interest and not the principle balance of the loan. This is unfair. This is unreasonable. With so high payments, they should actually be reducing the loan but instead every day the amount due gets higher and higher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I wrote and mailed Transunion asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office.

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 2021-10-01
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a flyer in the mail stating that I could earn up to a {$500.00} bonus by registering on regions.com/offer using a personal code and by opening a personal lifegreen checking account. The flyer stated i would get {$400.00} for opening the account and an additional {$25.00} for completing 4 other activities with the account. Once complete, the bonus would be paid in 90 days.

-Download and log into the regions mobile app -Deposit one check -Set up regions direct deposit -Make 10 or more purchases on the check card The new account had to be opened prior to XX/XX/XXXX. 

I went to regions.com/offer and entered the personal code and my email address. I also opened the account and completed 2 of the 4 additional activities prior to the end of XXXX. Here is where the problem arises. Apparently the mail man delivered this flyer to the wrong address. It was addressed to my neighbor. So in 90 days when I hadn't received my bonus, I brought the flyer into regions and asked why the bonus hadn't been paid. It was at this point that they saw the flyer that I received in my mailbox wasn't addressed to me. Therefore the bonus wouldn't be paid. This was the first time that I ever looked at who the flyer was addressed to. Here is my complaint though. I went on regions.com/offer. I typed in the personal code on the flyer. I typed in my email and I established an account with my name and address and social security number. Never once did the system say that i wouldn't be eligible for the bonus because my name didn't match the flyer. I would expect there to be some sort of notification saying that I wouldn't be eligible prior to 4 months after I opened the account and completed the activities. For this reason I believe I should be granted the bonus for establishing the account and completing the activities that I did. This would amount to {$450.00}.

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 explanation
Consumer complaint received 2023-05-07
Company: SIMM Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I told applied bank I was going through a financial hardship with covid and I'm homeless. They sent it to collections and the depth collector threatened to sue me and texted repeatedly I will attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP

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 2018-04-25
Company: Harris & Harris, Ltd.
State: CA
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:
This debt collector keeps calling for someone else that isn't me. I have told them this at least 10 times, I have even called back and recorded telling them they have the wrong number. I have also told them that I have had this same number since XX/XX/1998 so they have very bad information and they need to stop calling me. They call me one to two times per day, early on the weekend and incessantly despite me telling them I am not the person they are looking for. I need them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CCS Financial Services, 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 Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : XXXX. XXXX XXXX XXXX - Open - XX/XX/2022 XXXX Credit Collection Services XXXX open - XX/XX/2022 * XXXX u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Receive pre approval letter, aimed at XXXX workers, I have perfect payment history, has pre approval code and everything, went to apply and was denied. This is misleading and now the inquiry has shown up on my credit report, Im angry at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BAM Management US Holdings Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX - First time I opened a ticket due to withdrawal functionality being XXXX when trying to withdraw {$10000.00}. I attempted to review the ticket through their ticketing system, but was unable to connect as every option and link was broken. 

XX/XX/XXXX - Again I try to withdraw the same funds and was met with the same rejected error. So I opened another ticket, as my first ticket was never resolved. I would also like to mention I never received any feedback, nor was provided any way to track updates or communicate with the support team. 

XX/XX/XXXX - After receiving no response I found publicly listed emails for Binance US employees on XXXX and decided to send a last effort plea for assistance. Still no response. 

XX/XX/XXXX - I deposited another {$2500.00} successfully, with the hope that based on the following support article, https : XXXX? XXXX & XXXX, that would unfreeze withdrawals on the account. Of course the funds were immediately accepted and processed, and of course the withdrawal function was not restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.

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 2019-03-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY EXPERIAN CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.

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 2021-06-03
Company: Prosper Marketplace, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered a consumer credit transaction with PROSPER MARKETPLACE IN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that PROSPER MARKETPLACE IN claim I owe. PROSPER MARKETPLACE IN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: MiraMed Revenue Group LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a company called Miramed Revenue Group that is reporting XXXX accounts on my credit file. It appears many duplicates. I have never been contacted by this company nor provided any verification. I have disputed with not even a response. Please help on my credit it states {$270.00} {$280.00} {$120.00} {$120.00} {$390.00} {$120.00} {$190.00} {$120.00} {$120.00} {$120.00} {$280.00} {$370.00} {$190.00} {$120.00}

Company response to consumer: Closed with explanation