BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  is in violation of consumer protection laws.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We ( my wife and I ) are the victims of a Ponzi Scheme. We refinanced a mortgage in XX/XX/XXXX. My wife signed the note. I did not. The alleged Lender, XXXX XXXX XXXX XXXX, falsified our financial information, understated the finance charges by more than {$200000.00}, did not give us an accurate payment schedule, and also did not lend us any money. Another, non-disclosed financial entity seems to have funded the alleged transaction, but this entity was not licensed in Illinois to do so. 

On XX/XX/XXXX, we rescinded the transaction. We have a copy of the letter, proof of mailing, proof of delivery, and proof that we recorded the rescission in XX/XX/XXXX. 

To date, more than 3 years have passed, and all the parties involved have ignored the rescission, failed to pay us back, failed to remove all liens on our property, and have failed to do anything at all. 

They have continued to commit crimes in State Court by filing a Motion for Summary Judgement in XX/XX/XXXX, several years after they received the letter of rescission. We are still fighting Ocwen Loan Servicing, XXXX, as Trustee for XXXX XXXX XXXX XXXX, MERS, all their lawyers who are aiding and abetting, and XXXX XXXX. We need help. Your help. You state that you enforce the laws. These are felonies. 

They are time barred from collecting anything ( US Supreme Court in XXXX ; West Virginia Federal Court in XXXX XXXX XXXXXX/XX/XXXX XXXX ; Illinois Appellate Court in XXXX XXXX XXXX ). 

They refuse to stop. The Rule of Law does not exist in Illinois.

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 2017-09-02
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Consumer Financial Protection Bureau, XXXX XXXX, writing to clarify that this debt in dispute, may be illegal in his collection process.

According to FDCPA ( Fair Debt Collection Practices Act ) 809. Validation of debts ( a ) Notice of debt ; contents ( b ) Disputed debts, firstly, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt so If the company does not provide verification within 30 days, the FDCPA prohibits them from continuing to contact you or reporting the debt. And the company didnt provide itemized bill statement as I requested. But they suddenly report to credit bureaus after one year of the initial communication. 
I doubt the amount is not correct. The company did n't provide itemized bill to validate this amount, but they still report to all the 3 credit bureaus. 
Secondly, the company fails to provide the validation response in 30 days, but they continue their collection activities suddenly after one year. 
Thirdly, in the coming notice letter, they did n't mark the steps how to dispute and legal rights that I can dispute. I was only told I owe the money, and they assume it is valid. 
Therefore, I think this collection report is illegal. Please help me how to appeal to this collection case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 18 unauthorize Hard inquiries on my Transunion, XXXX and Transunion that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XX/XX/2019 as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX , XXXX.XXXX . XXXX Also, Transunion and XXXX hasn't updated my credit report and refuses to add my XXXX XXXX Tradeline account. 

One last thing XXXX, Transunion and XXXX hasn't remove the Derogatory Remarks of late payments of 30-59-60-90 days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX acccount XXXX XXXX ... .I have provide evidence to XXXX and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!

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 2019-09-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have been trying to close my bank account since XX/XX/XXXX and it was finally closed XX/XX/XXXX, the transcripts for the agents I spoke t speak for themselves, I was charged fees had fees removed then put back on, agents I spoke with including senior analyst lied and committed a fraud with information that changed depending on who I spoke with, I finally has to file multiple harassment claims against USAA and notified the VA about their shady practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-07-18
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a business check to the bank. It was for a job I applied for on XXXX. They had me buy money orders and then send them to other places. Apparently the check was fake because it bounced back and I had to pay the money back. The bank blocked my from my account. Now I cant access it even though I paid the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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. Im speechless. AGAIN, this circumstance is making me sick! Transunion and CFPB are impervious about my complaint. I retain sending abundant sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing occurred. It seems that they be likely to disregard the trend and let this fraud account affect my credit score. They are destined to obey with the FCRA regulation section 605b but I think they are negligent about this matter. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Transunion. Also I have sent my FTC report and my Police Report to them but still nothing has altered. They became negligent of the FCRA law and continued reporting this information on my Credit File without Appropriate Authorization or Examination. I am an identity theft victim and I want you to do your part and REMOVE this account that caused me so much stress. 

XXXX XXXX  XXXX Date Opened XX/XX/2018 XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector, XXXX XXXX XXXX XXXX is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called aidvantage last week to request a refund of payments made during the Covid relief period from XX/XX/XXXX to XX/XX/XXXX due to the president announcing student loan forgiveness for my income bracket and pell XXXX status. I also asked that my loan be put back into the offered Covid forbearance until XX/XX/XXXX. I have not received a refund of payments made and my loan balance is still at the same as it was before asking for the refund of payments. The only thing that occurred was that my loan was put into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-09-02
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was previously removed and was reinserted multiple times with any notification at all and this company keep violating FCRA 611 5 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2019-09-06
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX and have full insurance through the dept of Veteran Affairs. This company by the name of " Americollect '' has placed a collection on my report in the amount of {$690.00} for a debt saying it is from XXXX XXXX XXXX. As a XXXX XXXX  XXXX Veteran, the main benefit that I receive is health care. This company has not billed nor validated that the debt is truly owed. All bills in my name are to be forwarded to the XXXX VA XXXX Hospital, with my social as the reference number. This is terrible that this company would try to collect on an invalid medical bill debt from a XXXX Veteran with insurance. Anytime I have ever been treated outside of the XXXX VA, it has been for a service connected XXXX. I am not sure it is legal for this company to add their interest to a debt owed either. The military lending act and SCRA state a cap on added interest rates. The entire entry on my credit report is invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
NetSpend locked down my funds with no notification and no explanation after 4 years. Considering they also screwed up my tax return direct deposit, this was the last straw. They locked me out of my account and my toddler daughter 's XXXX funds for several days and then closed my account and are mailing me a check in 10 days. Every day I called they would only read me a list of reasons it " could be ''. I sent the govt issues documents ( drivers license, W2, social security card ) they said they would respond in 6 hours. I had to call every day. For days. Never told me why. They block access to my baby 's funds for 15 days, ruining spring break for both my children and said they have the right not to give an explanation. Dont trust them with your money.

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 2019-07-18
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting in XXXX, I began receiving numerous random phone calls from a similar area code as my phone with no messages. Finally on XX/XX/XXXX, I caught the call and encountered an aggressive conversation from Prince Parker & Associates, a debt collection firm, about an unpaid medical bill. Unaware of any outstanding debts I asked for additional information, hung up, and called the referenced physician 's office for additional information. At that point I discovered a previous treatment wasn't covered by insurance so there was an outstanding balance of {$590.00} which was immediately paid in full. Despite having email receipt of payment and confirmation from physician office, I continued to receive multiple daily, harassing, aggressive calls from Prince Parker & Associates for payment. I answered a couple calls and explained that I had XXXX balance, digital proof of payment and would like them to stop harassing me. Despite my insistence and XXXX balance, they continue to harass and ask for payment or threaten negative action. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I received the letter stating that they can't do anything. I have received the copy of the checks from XXXX XXXX and currently have the tracer as Capital One cashed the checks back on XX/XX/2019. I would like to have a copy of the checks that was presented to Capital One from XXXX XXXX. Unfortunately those checks were never presented to XXXX XXXX  they were presented to Capital One for payment. I do not have an account with XXXX and they can not provide me with a copy of who cashed or deposit those checks. I would like to received copy of those 3 checks as my primary bank and also Capital One Bank received the checks for payment. I do have the right to obtain a copy of those checks you supposedly received for payment. XXXX XXXX XXXX have already obtained copy of those checks and they were only cashed and presented on XX/XX/2019 not on XXXX or XX/XX/2019 as Capital One stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Third party debt collectors working for the Army and Airfare Exchange Service are using unlisted, unknown and untraceable VOIP phone calls to harass me even though I have asked them not to contact me and harass me multiple times a day. As of yesterday I received 7 calls in one day. 

Please stop AAFES from continuing to harass me. Force them to clear the debt and pay restitution for utilizing unfair and illegal communication practices to take advantage of a XXXX veteran on a fixed income.

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