BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: National Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, after a long illness, I pulled my credit reports and learned of a pending educational fee of {$3100.00} due to XXXX XXXX XXXX. I telephoned XXXX XXXX XXXX XXXX to confirm the pending amount. I was informed the account was referred to NCM Associates for collection. XXXX XXXX XXXX noted if Im paying the entire amount I could pay online using their bill pay system XXXX. XXXX further stated if Im trying to settle the amount then I must speak with NCM Associates, the debt collection agency. On XX/XX/XXXX, I paid the entire {$3100.00} directly to XXXX via XXXX. On XX/XX/XXXX, the amount cleared my XXXX XXXX XXXX XXXX XXXX Acct, and at XXXX XXXX XXXX XXXX confirmed the payment had cleared and that the debt collection agency, NCM were notified there is no outstanding debt. I immediately telephoned NCM shortly after to confirm XXXX balance. NCM confirm there is nothing to collect. However, NCM has continued to report status of the account erroneously, noting a balance is standing of {$3100.00}, and no payments have been made. XXXX or NCM will provide a statement or letter stating the debt is paid. Both points to the other. On XX/XX/XXXX, NCM noted I didnt make the payment to them, but to XXXX, so they will not send confirmation there is no balance, but continue to report the incorrect information to all three credit agencies when this issue is disputed. As of XX/XX/XXXX, XXXX, XXXX and XXXX have all reached out to NCM, who have confirmed a standing balance of {$3100.00}, no payments made. XXXX noted it may take 60 days to update, but XXXX account reflects XXXX balance. Im concerned because Im on XXXX and I need housing. The bad reporting of this debt is created a poor credit score, and is reporting incorrectly and I have tried every way possible. I uploaded confirmation documents to XXXX and was informed its not good enough to correct my credit report. Im reaching out to you as a last effort to request NCM to correctly report the status of this account. On XX/XX/XXXX, NCM provided reference number XXXX for the account. I called XXXX  directly with the reference information, but XXXX reports NCM confirmed a balance of {$3100.00} on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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 XX/XX/2020 I disputed several collection items with Experian, XXXX  and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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 2018-12-30
Company: Navient Solutions, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from Navient going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your Navient Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported to all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My USAA ATM/ debit card was canceled due to a mass re-issuing done by the company ( USAA ). I  recieved no texts or phone calls warning me that my card would be canceled. The newly re-issued card was lost in the mail but USAA canceled my current ATM/ debit card without telling me. I now have no way to access my funds and will be without money until approximately Tuesday, when the new card is supposed to get to me according to the customer service representative. USAA has shown very little concern for my issue or my general well-being considering I rely on this ATM/ debit card to make everyday purchases. 

Please note that my old card was fine. It wasnt expired, lost or stolen. The mass re-issue was initiated by the company and the old cards were all canceled without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient, Formerly Sallie Mae, has continuously been an incredible source of frustration for myself and other borrowers.

My complaint is this : When an " overpayment '' is made, the loan interest rate rises.

The associates I speak to have stated categorically that overpayment does not affect interest rates, and yet, when I view the Prime Interest Rate trend history, the rises in my Navient loan interest rates do not match. In other words, I am being punished for overpaying which was not in my MPN.

Additionally, I have on multiple occasions email the company requesting a copy of my ORIGINAL Master Promissory Note and the have outright ignored my requests, simply choosing not to respond. I utilized their emailing system for these requests.

Furthermore, multiple times I have submitted ALL required paperwork to release my cosigner and again I have been completely ignored.

When I call, the customer service representatives act as if they are ignorant of the way they could view the submitted material.

Navient has been sued in recent years for it's predatory tactics and lending practices and I am a victim of this, though I have been paying faithfully for 15 yrs I am still treated like trash from this institution.

In Summary : 1 ) Loan interest rates rise dramatically when any overpayment is applied - this is not associated with Prime Rate trends 2 ) Company feigns ignorance of my multiple request for original MPN ( under Sallie Mae ) 3 ) Company feigns ignorance of my submittal of all required materials for releasing co-signer 4 ) Company overall is predatory in its tactics and mistreats its clients because, basically, it knows it can because no one stands up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX  XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error.

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded.

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Director XXXX : My wife and I have been customers of Key Bank for about 25 years. Since about XXXX our Key Bank products with the exception on a Roth IRA have always been in the name of our trust. Our Atty. told us not to change IRA name to a trust. On or about XX/XX/XXXX we closed a Money Market Account that was in the name of our trust and opened a CD in the name of the trust. I brought in the trust paperwork it was copied and I assume submitted. In XXXX the paperwork I received from Key did not indicate the Trust name on the CD. I called the customer service line and they called my branch while I was waiting. The CSR told me that the branch told him someone was working on the account and I would be called in a few days when it would be fixed. Absent a call I went into the branch and all the officers were busy. I was informed by a teller I would get a call from the bank in forty eight hours. Again no call. Around XXXX XXXX I looked at my bank statement and I saw that I was being charged a service fee for the money market account that I closed. I called the Key Bank toll free line and spoke with a CSR. She asked me if I specified that I wanted to close the account when I opened the CD. I said of course. She removed the fee and informed me that I had to go to the branch to close the account because it was in the name of the trust. Agitated I went to the branch and XXXX XXXX, a visiting officer, closed the MM account and changed the name on the CD to the trust. Finally a banker who offered what Key advertises ; PERSONAL SERVICE ; as opposed to at best impersonal service and at worst prevarication. I thanked XXXX XXXX for helping me. After he changed CD to the name on the trust I told him that if he had not ; I would complain to the CFPB. I thought the matter closed. Today XXXX XXXX told me that the branch wants me to bring my trust paperwork in again. Key Bank certainly believed that I had the same trust documents when they refused to close out a XXXX balance MM account over the phone. Are those documents lost as well? Is there someone who audits existing accounts for documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: National Credit Adjusters, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank owed me rewards in the amount of {$160.00} per statement on XX/XX/18. 
Bank never paid the reward per their Terms and Conditions instead they " Ajusted merchandize XXXX NY '' per statement on XX/XX/18 and froze my account, nobody would talk to me until I appear to the branch. After my card was unblocked nobody could find the funds and my emails and voicemails to executive office never returned. I did not purchase anything in XXXX NY. The funds have vanished. Please view statement attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited an official check for {$100000.00} on XXXX XXXX, 2023 at Truist Bank in XXXX, Georgia. The check was from XXXX XXXXXXXX XXXX XXXX  XXXX ). XXXX honored the check the next day, XXXX XXXX, 2023 However, Truist kept a hold on the check until XXXX XXXX, 2023.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Account information incorrect

Complaint:
XXXX XXXX XXXX service was requested discontinued. Service Tech came to house and collected equipment. Some time later a bill was sent for about 5 months service charge and a charge for other unreturned equipment. No notice was ever given to customer about additional equipment to be returned. When customer received bills after service was cut off, and asked for clarification of the unjust charge, it took XXXX XXXX XXXX extensive time to determine what the charge was for, and once notified, idle equipment was returned by customer and credit issued for the equipment charge. 
However, no credit was issued for the 5 months of time when no service was provided and no use of service was made. 
XXXX XXXX XXXX refused to credit the time although they had both neglected to pick up all equipment at the time of last service call, and failed to notify customer of any further obligation to return the equipment in question. 
XXXX XXXX XXXX is attempting to bill customer for a period of time after service was cancelled and for which period of time no service was provided or used.

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