BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: First Data Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
hello, my name is XXXX XXXX. in regards to this complaint, Ive been deposited a check from my new job at XXXX. The balance was XXXX on XX/XX/2019. Ive made several transactions, over the past few days. Ive done the math from all the transactions. I should have {$62.00} left in my account. please look into this i would like a refund of my money im unsure why it says i have XXXX balance. ive tried spending money for gas and my card declined. This highly upsets me, please help me resolve this quickly as possible. thank you for your time. This is my first time using a pay card ive never had something like this happen before. have a nice day.

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 2021-09-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used td bank transfer to XXXX XXXX on XX/XX/2019, the amount was {$1000.00}. The bank has suspended the transfer due to account problems, and verification is required during the transfer process. I called immediately to cancel. The online service staff clearly told me that there would be no automatic transfer, but it was still transferred by td bank, because when I checked my bank records on XX/XX/XXXX, the transfer was from my bank without my authorization and notification Account transfer. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted td bank multiple times, but until now I have not received the money that belongs to me. They have been shirking responsibility and did not actively deal with this matter. I went to the cfpb department to complain about this matter. I hope TD Bank will be responsible for returning the money to me. TD Banks irresponsible behavior has affected me not to trust them. Their behavior makes me very insecure. Finally, I hope that the bank can solve this in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citibank, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - Citibank and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.

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 2019-05-01
Company: Oklahoma Student Loan Authority
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
OSLA ( XXXX ) keeps calling both my home phone # ( XXXX ) and my cell phone ( XXXX ) regarding student loans for my daughter. I have advised them on 4 separate occasions that my daughter is an adult and no longer lives at home, has not lived at home for more than 3 years, and can not be reached at either of these numbers. I have requested they remove my numbers but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
I am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of 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 2021-03-06
Company: Farrell Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent Prime Acceptance Corp., a letter disputing Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' Prime Acceptance Corp., Clearly was NON Complaint by sending me a response paper ( which completely evaded my question ). I have rights under the FCRA and the Fair Debt Collections Practices Act. Why are these laws set in place if they can be broken so easily? 

Prime Acceptance Corp., needs to answer the initial disputed question Instead of sending a frivolous response ... Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Prime Acceptance Corp., needs to remove this tradeline from my credit or I'll be filing suite against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: M.L. Zager P.C.
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: Their investigation did not fix an error on your report

Complaint:
i sent a request for validation multiple times and i keep on getting the same thing over and over again on of the things i requested was " On XX/XX/2018, two documents were sent to me. The first document did not have the validation of debt listed. The only thing that was listed was responsible party, address, balance and a file number ( is what is called " verification '' not " validation '' ) The second document that was sent was addressed to the WRONG person. It should have been addressed to the responsible party. My insurance was billed incorrectly and before making any payment towards a debt I want to make sure that the bill was properly processed through my insurance carrier '' and what did i get back the same thing over and over again i will attach it is an invoice with there companies name i could of done the same thing write my companies name and send them in invoice how does that proof anything and plus i requested a lot of other information and they didn't bother verifying that at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
on XX/XX/2020 my company gave me a paper that says for employees of XXXX : COVID-19 SEPERATION and I was temporially unemployed I filed for unemployment and received notice in the mail I was approved for one year but I never received a card to get my benefits it shows on line that they paid loaded it on confirmmy card but I didn't receive one my confirmation number is XXXX claimant id XXXX the two weeks I am owed for is XX/XX/2020 confirmation code XXXX the second week is XX/XX/2020 and confirmation code is XXXX send me my us bank card or please direct deposit my money to my bank the information is on my application for unemployment

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 2021-03-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN THIS FRAUDULENT ACCOUNT IN MY NAME : XXXX OPENED : XX/XX/2020 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried contacting Planet Home Lending Customer service department but receive a generic answer every time and feel they are not trying to listen to the situation. We received the attached letter from Planet Home Lending customer service. We had a temporary loss of income due to Covid 19 in XX/XX/2020 through XX/XX/2020, and we had a hit on our credit report for three late payments in 2020. We were in the process of a refinance and, therefore, would not qualify for the deferral ( however, we were denied for the refinancing due to the late payments. We ask if the late payment can be removed as goodwill because it was due to Covid 19 loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have call several time and I have not been able to get the personal incorrect information off my 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 2021-09-14
Company: Southwest Credit Systems, L.P.
State: NJ
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 reviewed a copy of my credit report in the past and found this inaccurate account in which i disputed. The company never followed up with me therefore i am initiating a complaint with you. I mailed the company a letter on XX/XX/2021 as well as contacted them through credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, 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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: AES/PHEAA
State: NC
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:
In XX/XX/XXXX, our daughter was entering college and I applied for a Parent Plus Loan. I completed the application. My husband 's information was not required or requested. Our daughter 's school application had both her father and I on the loan. My husband and I share a bank account and have always shared a bank account. My husband and I have only this XXXX child and have been married since XX/XX/XXXX. In XX/XX/XXXX, my husband was injured in a fall at work which subsequently ended in XXXX XXXX. Shortly after his injury, we filed Chapter XXXX bankruptcy because we were unable to pay all our bills with him now being on workman 's comp and receiving 60 % of his normal income and the knowledge of XXXX XXXX forthcoming. At the time of the application for the Parent Loan, our income together was close to $ 90,000+ per year. Our income sharply declined to our current level of {$39000.00} for me and {$21000.00} for him. I have contacted XXXX and XXXX the servicers of the loan and explained the situation. Their policy is to forgive the loan should a parent become XXXX. They refuse to forgive this loan of {$17000.00} and our daughters loan of {$14000.00} because my husband did n't sign the loan application, YET they are wanting to debit OUR joint account for payment. My last conversation was on Wed XX/XX/XXXX and we have {$150.00} in our account. They wanted to debit {$240.00} on XX/XX/XXXX. I can provide all substantiating documents regarding the loan and my husbands XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: VA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Company - XXXX XX/XX/2017 received a bill for {$1.00} and XXXX   Contacted Chase Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from XXXX.

I have called a XXXX  XXXX  and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account.

I would like to have all the money refunded to me and stop payment to XXXX.

Please - HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25
Company: CITIBANK, N.A.
State: AL
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:
Stolen Account what account open in my name stole identity online purchase

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 2017-11-25
Company: Experian Information Solutions Inc.
State: MN
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 my experian report I previously dispute several accounts and got them removed now a few years later theyre back on there but under a different collection company. This whole process is XXXX  the companies dont care that they have the wrong info, or outdated info, or anything. They knowingly post accoumts that they should n't. They need to be held accountable

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 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent dispute letters via mail in online to XXXX Transunion and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also 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 2018-03-19
Company: ONLINE Information Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went to the hospital and provided them with two forms of insurance. The hospital has both insurances on file yet their collections team posted two negative accounts on my credit reports. I called an asked why they said the hospital did not give them the second insurance information. I gave them the insurance information. They turned around and posted the same negative on my cresit report at another bureau. The numbers they have listed now go straight to voicemail and when I did speak to someone she advised they would removed the information after i gave the insurance information but that has not been done. I had this conversation in early XX/XX/2018. This is happening with XXXX XXXX XXXX for {$100.00} and {$62.00}. My secondary insurance was through the state medicaid department and the hospital is aware they can not accept a payment from the insurance company then bill a patient additional charges. I spoke to the representative at XXXX at Online collections  and informed her the accounts were updated. She told me they would not remove the negative information from my account until I paid it. I refuse to pay them for a bill I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
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:
There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them immediately.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Below is the letter I sent to TransUnion on XX/XX/2021, I have yet to get a response from them and/or a removal of these accounts from my credit report. 

RE : Request for Investigation of Unauthorized Inquiries To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXXXXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.

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