BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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 2021-03-28
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:
I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX  and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.

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 2020-10-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TIAA posted a public online offer at tiaa.com that says " TIAA Bank is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling at least {$1000.00} within 90 days of account opening ''. I opened the account online and initiated the direct deposits and met all the terms but still didn't receive the bonus.

I called TIAA twice to solve this.

TIAA representative said I needed to go online and requested a promo code and then open the account.

This was a false statement. Because customers can open account online and no promo code was required. It is a public offer posted at TIAA.com, indicating everyone can apply without having the promo code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX. XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2021-11-01
Company: Experian Information Solutions 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:
Last year I discovered a false account with XXXXXXXX XXXX and XXXXXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2020-11-09
Company: EQUIFAX, 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:
There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
Failure to comply on POLP and PHR request.I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ). 

SANTANDER CONSUMER USA XXXX Date Opened XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
two years ago, I went to XXXX XXXX XXXX for a XXXX XXXX. Someone at the hospital put in incorrect billing information at the time. I had insurance that was taken and covered the hospital visit, but the insurance information was never applied to the physician's visit (insurance covered the hospital bill but not the specific physician bill). I had been on contact with hospital billing for a few months after the visit to attempt to get them to apply my insurance information correctly when it resulted in a $XXXX bill I should not have had to pay, but every few months the bill would come back as the hospital never fixed the error. They sol the debt to a collections agency, and every few months since the incident I get a bill from them and have had to try to get insurance or the hospital to step in. My appeal to my insurance was denied due to the time passed, and collections are still continuing to try to collect on a debt that should have been covered by the insurance I pay for. I am now at a loss for what to do- it is negatively impacting my credit score, insurance will no longer pay it, it is out of the hospitals hands and collection agencies don't care that this was due to a billing error I had no control over. I would like to find out what my options are to resolve this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a court date with LVNV Funding LLC for XXXX XXXX, XXXX for a credit card debt for {$940.00} The court papers that were served to me has interest charges from XXXX, It also has me making a payment in XXXX. This account is 15 years old, way past the statue of limitations for Missouri, plus I filed bankruptcy in XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My USBank reliacard was " locked/deactivated for fraud protection '' on the XX/XX/2020. I am the cardholder, and I have been the only one who has had access to it. I did nothing unusual to give USBank a legitimate reason to lock my card/withhold my money. 

I have called the number printed on the back of my card EVERY single day, at least TWICE PER DAY, with the intent and request to have this " Block '' REMOVED, so I may continue to use my card and have access to MY funds on it. 

Each time I spoke with the reliacard representative, I have told them to remove the unnecessary " Fraud protection Block '', as I have been the only one using my own card. 

Then they told me to upload pictures of my i.d . and a live selfie to their website..AND I DID THIS ... 3 TIMES! The Rep stated that in 48 hrs max AFTER SUBMITTING THIS it will be REACTIVATED. Well, almost 2 weeks have gone by and they HAVE NOT UNBLOCKED IT. THEY SAID THEIR " OFFLINE " team are the ONLY ONES WHO CAN unblock the card ... .and yet they do not give their number for me to call ....! THEY ARE HOLDING MY MONEY FOR NO VALID LAWFUL REASON! AND LYING TO ME ABOUT UNBLOCKING IT! 

I have a serious XXXX XX/XX/XXXX that I have to pay for the MRI/SPECIALIST visit for in 2 days and I am denied my rightful access to my money to pay that bill with! Not to mention NECESSITIES required to live, I can not buy anything and am starving because USBank is illegally withholding my money, .and it says NOWHERE on their cardholder disclosure form that they would pull this XXXX. 


I have asked to speak to supervisor and they say the same lie, blaming it on their " offline '' team ... THAT MAY OR MAY NOT EVEN EXIST! 


PLEASE help me with this, I have tried everything I know to do to resolve this..I do not know what to do. I am very upset and struggling due to this inconvenience ... I have been WRONGED by this dishonest bank run by Con-Artists. They are illegally withholding my money! 

Would you please help me? I know I am not the only one going through this either. 

Thank you for your time, and for listening. 

You may call me if you'd like at any time. 

XXXX XXXX XXXX Reliacard debit prepaid cardholder

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 2020-11-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a phone call from XXXX XXXX XXXX they said that I owed Wachovia Bank {$2900.00}. I asked how is that possible when I had an account with XXXX XXXX XXXX  the young lady said Well if you dont pay this we will garnish your bank account take your car and your property if we have too I asked if she could send me something in writing she informed me after being rude and burped in my ear Well that will be after the judgement has been set against you I want to know if this is a legitimate company of lawyers or not?

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 2022-01-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WELLS FARGO BANK XXXX Status current I owe {$0.00} Date opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and 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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-10-27
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:
SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.

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 2020-12-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was a student at XXXX XXXX in 2008 still have a private loan for XXXX went to school for two weeks it was never removed. School has been dissolved however my loan has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score. 
Please investigate about my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NC
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:
Pursuant to 15USC ( e ) ( b ), I am disputing the item listed below with Equifax because there reporting is inaccurate compared to the other credit reporting agencies. FCRA / CFPB requires the credit reported information should report 100 % accurate across all reporting agencies. This account is not reporting accurately with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a copy of my credit report and saw that I was being charged {$640.00} for a debt that has not been validated nor have they ever contacted me regarding the debt I tried calling the agency and got no reasonable response to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: OH
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 account is inaccurate and incomplete information is reported differently on Experian, XXXX and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.

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 2017-08-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I recently purchased 2 items from XXXX using PayPal on XX/XX/2017 for the amount of XXXX. I noticed today XX/XX/2017 that my XXXX checking account was overdrawn due to the transaction. The descrepency being, when using PayPal as a payment method, my PayPal preferences are set both online and in store to draw from my preferred account, in this case, PayPal Credit. It did not, and instead my bank account was charged and lead to an overdraft. I had spoken to XXXX, very helpful and they directed me to contact PayPal, I immediately did so and they would not take my claim seriously, lied about their own policies, which are visible on their own website and it will draw from a checking account, only if there is no preference set for payment otherwise, which was and still is PayPal Credit. At the time there was sufficient credit line, and should have been utilized. They were very unhelpful and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Bridgecrest Acceptance Corporation
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am a federally protected consumer and I sent Bridgecrest a cease and desist that was received on XX/XX/2020. This is a violation of 15USC1692g ( B ). The letter that was sent to me by Bridgecrest had threatening language in it that has caused stress to myself and my family.

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 2019-10-30
Company: EQUIFAX, 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:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation