BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX pickup and a XXXX XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs. 
2. The box truck was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.

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 2021-09-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
transworld systems inc. XXXX  XXXX  XXXX  XXXX  de. 19850 ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$50.00} the collection has been repoted as past due balance, i do not know this company. i have never done any business with this company. This company does not have a contract with my signature. i have not suppied proof under doctrine of estoppel by silence. engel v gravens ( mo ) 281 w 715, 719 i presume thst no proof of the alleged debt nor therfore any such debt in fact exists,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The XXXX XXXX was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.

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 2018-09-07
Company: EQUIFAX, INC.
State: OK
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:
On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Chase and a letter saying it was attached to a checking account, and that I should activate the card. I do not have a Chase checking account. I called the number on the card to ask them to close that account. She said I was a victim of fraud and that I should get a credit report to be sure there aren't more accounts open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. 

My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. 

This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX # : XXXX Please review the attached documents supporting my claims. I've called before after I mailed in my disputes but was greeted by someone who was not location in the USA. So I knew they had no idea of my previous claims, and of course they could not locate my files. I have been a victim and would like the correct actions to be taken to remove these items from my credit report.

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 2020-12-17
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: STERLING JEWELERS, INC.
State: DC
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 made arrangements with XXXX XXXX XXXX once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day  validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Resurgent Capital Services L.P.
State: DC
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 made arrangements with Resurgent CAP SRV once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company on XX/XX/XXXX to settle and old debt. I spoke with a representative in the collections department named XXXX in the South Carolina Branch and I I explained to her that I would be willing to paid {$300.00} in order for the debt to be settled and the balance would be {$0.00} on my credit report. She assured me that is would be okay so I called her back on XX/XX/XXXX to complete the {$300.00} settlement payment. I made the payment over the phone and she told me that the debt is settled and the balance is {$0.00} and that I could pick up my receipt stating this information on my lunch break. I picked up my receipt from the the local brach on my lunch break on XX/XX/XXXX. Today, on XX/XX/XXXX I received a letter in the mail stating that I still owe a balance of {$120.00} and that I need to schedule an appointment to make my next payment. I don't owe them anything. We agreed on a settlement amount of {$300.00} and I have already paid that. This outrageous and unprofessional. This company needs to update my credit report to show that the account was settled and the balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am no longer playing this game with Wells Fargo. I have contacted the FTC. It has been 4 months now and I do not have a copy of the document where I was charged XXXX. I will be contacting additional government agencies.

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 2019-04-15
Company: Nelnet, Inc.
State: GA
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:
Hi, This is regards to Nelnet student loan servicer. I have requested to settle the debt with Nelnet in exchange for the original instrument of indebtedness. This request was initiated on XX/XX/XXXX. Nelnet responded with a letter stating we are unable to make adjustment to my credit inquiry, which I did not request ( see attachments ), It was clear what I was requesting, and they were stalling. Then I wrote another letter requesting the instrument of in indebtedness and I receive an e-mail from Nelnet stating my FORBEARANCE HAVE BEEN APPROVED and I will not have to pay until XX/XX/XXXX, WHICH I DID NOT REQUEST EITHER ( see attachments ) However, I received a statement requesting payment on XX/XX/XXXX. Now, forbearance was forced in place as a stall tactics until XX/XX/XXXX why do I need to make a payment? Again its very clear of my request and they refuse to send the information. 
Then I receive fabricated PROMISSORY NOTE ( see attachments ) from them on XX/XX/XXXX, which is clearly over the 30 days of when I requested the original instrument of indebtedness, which is clearly a violation. I have no idea who those people are on that promissory and the addresses dont even match the zip codes ; in addition, there is no signature on the document. I did not have any legal binding promissory note with Nelnet and the information provided is not factual and fabricated. Therefore, I would like a letter stating this debt will be removed off credit reports as the assumption of debt was never validated and this assumption of debt brought to {$0.00} ASAP, or I will be taking this fabricated promissory note and pursue legal actions and sue for Involuntary Servitude among other things! 
Please keep in mind Nelnet has been sued by the couple of different entities and investigate by the CFPB and being removed from list of provides for student loans because of their unethical practices. Im a prime example of the deceitfulness and wrongful doing. 
I have attached a number of attachments to support this case in, addition ; to screenshots of the when the certified mail was delivered to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2018 I sent certified mail to Experian containing 3 notarized documents containing my current drivers license, social security card and proof fof residence for the last 6 years at the same address on DL. I have been experiencing issues of someone using my name and trying to obtain credit and bank accounts under me identity. 
I asked Experian to remove all the old address from my file. According to the Fair Credit Reporting Act they can not list addresses that are not deliverable to me by the USPS. I just received Report # XXXX for XX/XX/2018 and it states that they will not remove the old addresses or any other incorrect data such as misspellings of my name. 
I contacted one of my ole landlords and they told me they just received an offer for XXXX XXXX of credit approval in my name. I need these addresses deleted for security reasons. Thank you for your assistance. Also XXXX and XXXX XXXX have already removed the old info.

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: 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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.

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 2021-05-04
Company: Mr. Cooper Group Inc.
State: GA
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:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
report XX/XX/2017, {$980.00}, I filed for Identity Theft with the FTC.

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 2022-08-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXXXXXX XXXX  CC XXXXXXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I booked a hotel room through XXXX using my Chase debit card online. I received my confirmation number, my receipt from XXXX. I went to the hotel. The front desk person took my card, put an authorization hold on it for 100 dollars as per the hotel 's procedure, then came up short. 

My room, it appeared, had workers in it, fixing something, and there were no other rooms. She apologized profusely and the general manager followed with a letter of apology in an email. The hotel refunded the hundred bucks for the deposit and offered me a future free night 's stay.. 

I called XXXX. XXXX, in turn, checked with the hotel to confirm. Supposedly, my .oney would be returned. But it never was. 

So, I filed a dispute with Chase, my bank. I received a provision a.d l credit, which was ripped back away from me at a very inopportune time. 

Chase said that XXXX said that they had small print, guidelines, caveats. Chase told me to submit evidence and reopen the sispute. 

So, I fwded to Chase, the email from the hotel apologizing for the lack of room. 

Didn't hear back. When I called chase to inquire, I was told that you CANT reopen a dispute. So I disputed it online, received a provisional credit, and, again, had it removed, or debited, from my account when I didn't see it coming, at a very bad time. 

I refuse to pay for a hotel I didn't get to be in. Now, XXXX has no info about the affair and they say to contact my bank to dispute and my bank says for me to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
TO US BANK. We are seeking the return of the 2 x {$1300.00} fees that were charges against approximately {$2900.00} in over due HELOC payments. No work was done for these fees, they were billed in advance and we talked to the lawyers. They had not started their foreclosure filing they were waiting to get the account file. 

These fees then are very unreasonable, accounting for 33 % of our total bill. 
US Bank is creating hardship. We had two times made big payments to catch and earch time we get his this massive bill and its just right or fair. Its also an error. 

There is another error, US Bank gave the. wrong phone number for financial assistance and the banks general number and have a HELOC god help you no in bank knows it and our account number does not come up at all. We gave up and got the lawyers. 

Please let us survive. A fee complaints is attached. Please read. 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