BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: World Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
I submitted a dispute to the 3 National Credit Bureaus and they submitted it to the lender incorrectly. I submiitted a dispute because Im an Identity Theft victim. The following account was fraudulently opened in my name : World Finance Co. 
Opened : XX/XX/XXXX ( Amount : {$330.00} ) World Acceptance Co. 
Opened : XX/XX/XXXX ( Amount {$330.00} ) Note : They are the same account. 

The following accounts in which I DID NOT dispute, were put under investigation, even though they belongs to me and I have never ask them to dispute these accounts. If you review the Fraud packet Im sending you, you will clearly see what accounts I disputed. The following accounts belongs to me and should have never been put under investigation : World Finance Co Opened : XX/XX/XXXX ( Amount. {$220.00} ) World Finance Co. 
Opened Date : XX/XX/XXXX ( Amount. {$220.00} ) World Acceptance Co. 
Date Opened : XX/XX/XXXX ( Amount. {$220.00} ) I don't believe it was intentionally done, but I would like the problem rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I transferred {$500.00} from my PayPal account to my bank account, The transfer never came through, I called my bank and they have no record of seeing the transfer so I checked with PayPal and it shows Pending, I called on XX/XX/2019 and got the run around, According to PayPal, Im the XXXX customer to have a problem with a transfer that day. 
I gave them almost a week to sort it out, I called XX/XX/2019 and they still have no explanation, and no way to resolve the problem, I asked to speak with a Supervisor and I get the same run around, no one knows how to fix the issue, or what the issue is, I asked them to put the money back into my PayPal account/cancel the transfer, they refuse to do anything at all. They wont even transfer me to the fraud department so I can try and resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2020-06-29
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried multiple times to resolve several issues with Aspire Servicing Center. But they have refused to make changes after multiple contacts and efforts. 

The company still has old references on file that I requested to have removed or updated several times. Some of these people are deceased or no longer would be available for contact references. I made two attempts to request these updates/removals by phone and two by writing, but have not heard back after three months. I need a new reference form to add new updates, plus a complete history of references listed/removed since my loan inception, how they were added or removed. 

The company also has several errors with contact information. I have always been active in contacting center online or by email, giving my updated information. But they have added several phone numbers that aren't mine. I need a complete history of contact information, and for company to only use the same phone number and email on file in record now. 

Calling for past due loans has been sporadic and highly bothersome. Calls are always conducted when at work. When I have answered and asked the representative if we could schedule a different call time, they have continued with call to the point I have had to hang up due to work. 

Process for deferment or forbearance is highly inconvenient in time of pandemic crisis. Several times my forms have been invalid because company still requires a written signature. No online option for requesting forbearance makes it difficult for many who don't have access to printer or fax.

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 2018-12-21
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: Account information incorrect

Complaint:
At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment

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 2018-05-22
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of Sunrise Credit a services added a file to my credit report. So I intially disputed it in XX/XX/XXXXas fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. Fast forward to XX/XX/XXXX I discovered that this company is not bonded in the state of California to collect debts owed or oherwise. It is illegal to try and collect a debt if the company is not registered with the California Secretary of State. This company is not even in Californias database.

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 2020-05-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, Wells Fargo Dealer XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in 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 explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-05-04
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I contacted XXXX to pay a current bill, which I received a notice for and that bill was satisfied. The representative XXXX said that I had some old bills that he had to notify me of over the phone. He said can you pay at least {$40.00} on the bills? I asked him could he send me the bills, because I never received any notifications about those bills. He said he would send the bills. I never received the bills. 

On XX/XX/XXXX I received an alert from the credit bureaus that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. My rights to dispute was violated. 

On XX/XX/XXXX I called XXXX and spoke to the supervisor XXXX XXXX to notify her that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. 

She stated that they did not have my correct address and that they sent notifications to my old address and the information was provided by the medical provider. They also, said that they had old telephone numbers and could not reach me by phone. XXXX XXXX said she would call me back on XX/XX/XXXX after she investigated. I did not hear from her so I called her. Instead I spoke to XXXX, which I informed him that I never received the old bills. I informed XXXX XXXX that I had no collections from XXXX/XXXX on any of my credit reports. She claimed that they reported this to the credit bureaus, I informed her that the information was not on my credit reports and that I want the information removed, because it is not my fault that they did not have the correct address. 

This is unfair practice and XXXX did nothing to try to resolve this discrepancy. I informed XXXX XXXX that I would file the dispute, because I want the negative collections removed from my report. I had no knowledge of these old medical bills.

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 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It has recently come to my attention that XXXX and Bank of America are actively discriminating against customers based on lawful firearm-related business activities. As a Bank of America customer and a tax paying and law abiding American, I expect to have access to the same financial services as other law abiding citizens. The Constitution protects United States citizens, and Bank of America and XXXX discrimination is against the law. Considering the sizeable tax funded bailout given to these corrupt financial institutions, I can not fathom how they could think that this would be acceptable. I demand action by our government to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid the card off in XX/XX/2020, they sent me a refund check for over payment on XX/XX/XXXX for {$150.00}. I was later ask to pay a different amount because they sent the wrong amount to me, yet I could not access the account because they closed it due to being paid off and the company went out of business. Now they have harmed my credit and refuse to work with me. They just sent the first bill yesterday XX/XX/XXXX saying I owe them money again, said I have missed payments and have late fees on a balance I was never shown how they got to.

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 2020-06-29
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We purchased merchandise and financed it for 0 % interest for 60 months. The credit card statement reads, in relevant part If you make only the minimum payment each period, you will pay more in interest. This language is required by regulation. However, it is false in this case as the interest will the same if we pay 60 equal payments or pay more with any of the payments. The language almost induced us to pay more than the minimum, which of course would make the cost to the bank less for supporting their 60 month no interest offer. In this situation the bank should add language that does not mislead people to paying off no interest loans early. 

Bank is TD Bank , N.A . Credit card is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: MA
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 recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2018-05-04
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My wife sent me a payment via paypal of {$220.00}, papypal added {$950.00} on the transaction. However, the amount sent to me was never disputed and has been posted since the day the payment cleared the credit card. I've attached a copy of the dispute and it shows the amount disputed was {$950.00}. Since then Paypal has even received the {$950.00} to complete the total of the payment while my account is still negative and I have not been credited back for the money the took fraudulently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan in XXXX and US Bank never released the lien. My car was totaled on XX/XX/XXXX. I was offered {$7800.00} from the insurance company however since USBank never released my lien they wont send me the check. I have called USbank 5 times over the last month trying to get a lien release letter to send my insurance company. The first call was in XX/XX/XXXX Every time I call they ensure that the letter will be sent. One time promising a fax that never came. It has now been 7 weeks since my accident. I still dont have money so I have been without a car for this entire time. I just called USbank today XX/XX/XXXX and they told me its a 26 day SLA for the letter request! My car has been paid off for 5 years. How can they continue to hold a lien on my car?

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 2018-05-04
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Reporting to my Credit as owing XXXX Dollars this is a result of someone using my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 would like to file a complaint against XXXX, Transunion and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for XXXX, Transunion and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX balance but I want proof of the account or I want it removed from my 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 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, XXXX and Transunion

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 2019-10-22
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
State: IL
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:
Back in XX/XX/XXXX I was at XXXX XXXX trying to purchase a car. I completed a loan application and gave XXXX authorization to pull my credit report. I was not aware that XXXX without my consent submitted the application on XX/XX/XXXX to four other banks in hopes that one of them would approve my loan, and in the process each and every bank pulled my credit report causing me to have a hard hit inquiry and affecting my credit report negatively. To many inquiries equal negative credit rating and will stay in my report for two years. I reached out to Chase today, XX/XX/XXXX and was transferred to the Credit Bureau Unit and was told by XXXX that because XXXX sent the application electronically that their procedure is to do a credit check even though they did not have written consent from me to run a credit check. XXXX refused to give me any information so I can submit a written dispute and request a Letter of Deletion. Per XXXX Chase will not request to have the inquiry deleted.

Company response to consumer: Closed with explanation