BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 bureau XXXX, XXXX , & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & Transunion has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX XXXX, & Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

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 2018-03-23
Company: BARCLAYS BANK DELAWARE
State: CA
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 submitted a payment in full to my XXXX XXXX XXXX for {$XXXX}. With the payment I submitted a copy of my statement. The check has my name and address that is on my account. The payment was received by XXXX on the morning of XX/XX/2018, and the funds were debited on XX/XX/2018. The payment however never posted to my account. I have contacted XXXX 's multiple times and they say they have not received a payment and opened up XXXX different cases to try and locate the payment. XXXX is calling/emailing daily that I am past due and assessed a late fee on XX/XX/2018. 

Today I called again and was told the payment went in to their " general ledger '' because they could not identify an account to submit the funds to. I was instructed I needed to submit a formal claim to get the money back since they couldn't apply it to my account. They asked that I send a copy of the original check. 

At this point XXXX has cashed the check as of XX/XX/2018, but they have neither applied the money to my credit card account nor will they refund the {$XXXX} so I can make a new payment. 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 monetary relief
Consumer complaint received 2018-03-23
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed an account with XXXX XXXX in XXXX. The amount owed was {$XXXX} for cancel fee. This was paid. I was then contacted by a collection agency requesting the amount of {$XXXX}. At that time, I was not aware that I could request validation of the debt, nor was this on the statement. 
On XX/XX/XXXX, I sent a letter to the collection agency to request the current balance and address to send a validation letter. I did not receive a response and then sent a letter to the credit bureau on XX/XX/XXXX to request that this is removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a new XXXX XXXX XXXX and was charge 27 % interest. According to the Illinois predatory lending act the average I should be charged is 13 % - 18 %. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  a company named Hunter Warfield which is a debt collector. I was sent back investigation completed and account was  verified. On XX/XX/XXXX I sent Hunter Warfield a certified letter asking for verification, this company has not sent back verification as of this date. The amount in question is XXXX. I am requesting this amount be removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.

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 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America set up a student checking account for my son with me, his father, also on the account. For some reason they have an overdraft mechanism on the account that if he goes over or negative, the charge goes through and he gets hit with a {$35.00} overdraft fee, which recently happened. 

So I asked if the {$35.00} could be reversed for it is a student account but they said its not a student account, it is a UGTMA, so they didn't reverse the {$35.00} charge. This is not what we set up - we thought it was a student account.. And they can't delete the overdraft mechanism. 

So it's just an account that will collect fees from a student. Kind of ridiculous. Thx

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 2018-02-02
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:
The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2.   XXXX Account # XXXX 3.XXXX XXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Phoenix Financial Services LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. There are 2 bills with this company Phoenix Financial Services and they are causing me bad credit ratings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: TN
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:
I am enrolled in the public service student loan forgiveness program. I enrolled in the program in XXXX. I have been in an income based repayment plan the entire time, re-certified my income every year, and I have always been on direct debit for the payments. My loan was transferred to XXXX, who two years ago told me that my payments have not qualified toward student loan forgiveness. They can't tell me why. I advised them that this is impossible due to having been on the proper type of loan on direct debit with annual re-certification, and they have been " reviewing '' this for almost TWO YEARS. ( XXXX of XXXX will mark two years they're " looking into it. '' ) I even sent them proof of all the payments prior to the loan being transferred to them. They are not doing anything and lying to me that my payments haven't qualified. I need them to certify that my payments have in fact qualified and that I am on target for the loan forgiveness in XX/XX/XXXX. I have attached proof of payment of my loans dating back to XX/XX/XXXX that I submitted two years ago to prove that my payments have always qualified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: CCS Financial Services, Inc.
State: AR
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:
Recently I've been in dispute with the XXXX major consumer reporting agencies and collection agencies regarding several accounts that were opened without my knowledge or consent. One account in particular from a company called XXXXredit Collection Service located in XXXX Massachusetts has violated both the Fair Credit Reporting and Fair Debt Collection Practice act by continuing collection efforts on a fraudulent account established through identity theft/or fraud after being notified by a consumer ( me ). For some reason the fraudulent account still remains on my XXXX  and XXXX credit file and should not be. In addition Credit Collection Service is reporting obviously a wrong open account which if so, this violates the statue of limitations for pursing medical collection efforts in the state of Arkansas. Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: MARINER FINANCE, LLC
State: KY
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 opened a loan with Personal Finance in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with Personal Finance in XX/XX/2017, they were purchased by Mariner Finance, in XXXX or XXXX of the same year. Mariner Finance closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.

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 2019-04-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit was used back in 2012 to get XXXX cell phone service I never given any permission to open any account in my name. I resolved this matter 7 years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Comerica
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I started a complaint with XXXX XXXX due to somebody stealing my money twice now the first time that it happened they were very quick about it but now that it happened again it is taking longer I don't know what's the difference that it was quicker the first time and not the second time but somebody has stolen my XX/XX/XXXX social security check of XXXX and I want it back now either XXXX XXXX can handle this or something because it happened out of state in XXXX and I live in XXXX XXXX XXXX, XXXX XXXX. how am I going to get from XXXX XXXX XXXX to XXXX just to use the ATM and pull out my own money I just don't understand I want this issue solved.. now they haven't done it again thank God but the fraud and identity theft thing has got to go people should just get a job and leave other people 's money alone and stop stealing they should do like in the old times and have their hands cut off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: Nelnet, Inc.
State: TX
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:
Nelnet is servicing my XXXX Loans for me and my school is XXXX XXXX XXXX XXXX ; they are not awarding my aid or applying my loans to my student account to pay for my tuition and fee 's in a timely manner. XXXX has Online XXXX Students wait 3 weeks into a 10 week term before loans are applied to account balances and student 's refunded the difference. In total it is a 21 day process with the term being well into session but we are unable to access our funds and use them toward educational expenses. XXXX does not make their onsite campus students wait 21 days to access their federal student aid and loans, this causes a hardship on the XXXX XXXX XXXX who is an adult and don't live in a dorm. The school says its the lender and the lender and XXXX says it is the school 's policy. I am unsure but I do know it is inequality and unjust and I will keep complaining until we online graduate students are not penalized for being professional students.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. 

I would like Equifax to remove inaccuracies information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: TN
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 this due to non-compliance with the Experian.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2018-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: IN
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:
I signed in Experian credit company '' s online site on XX/XX/2018,  to review my credit score for the first time in my life. 

It was showing {$1.00} for reviewing credit, so I paid {$1.00} using my credit card. I was carefully reading the homepage of the Experian to avoid any additional or hidden expense, also I did not agree to join membership. 

However, I found out today ( XX/XX/XXXX ) that they charged me not only {$1.00} but also {$21.00}. It seems I became a member which I never intended to be and will be charged {$21.00} every month. 

First of all, I had no idea how the site structured to make people enrolled for membership. I cant cancel online like with any other business. I had to find a number to call it. I have already wasted enough of my day to figure out whats happened and to find out how to cancel it. Also, I lost money which I actually do not need to pay. 

When I searched online, there are lots of complains about Experian. Attached is the link to some complaints. This practice of forcing membership without refund should be made illegal. 
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 2021-04-10
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment with a credit card in Cash on XX/XX/XXXX, Banco Popular de PR ( BPPR ) does not recognize the transaction until Tuesday, XX/XX/XXXX. Also, when I made transactions between my accounts ( checking and savings ) in the BPPR, the amount of one of the accounts ( for example, checking ) was withdrawn instantly, but the recognition of the deposit could take up to 2 days. If you deposit a check from another banking institution to the BPPR account, the disposition of funds can wait 3 days at the local bank and from US banks 7-10 days. I believe this represented a departure from the CC Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Was counted as late in XX/XX/2019 but payment was remitted and then credited but still showed up as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation