BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I am attempting to resolve an error where Discover is violating the law, nor are they practicing good business principles and they have not protected me by standing on their {$0.00} XXXX XXXX XXXX XXXX are in violation of the Fair Credit Billing Act. 

I have called Discover fraud department ( in XXXX ) regarding a fraudulent charge of {$400.00} from a XXXX transaction on XX/XX/XXXX, they closed my account and issued me a new card. 
On XXXX XXXX I called them back advising it was NOT fraud and I allowed a family member to use it. ( ERROR ON MY END ) When I discovered the error on XX/XX/XXXX as my other credit card company and family member confirmed it was XXXX XXXX card used not Discover, I immediately called discover back to advised know it was an erorr on my end and to re open the original dispute as the initial charges still stands and it was indeed fraudulent from the beginning. 
I was dealing with several family member deaths and my mind wasn't in a sound place as I was mourning my loss with my family/ loved ones. I have called 4 months in a row on this matter and I am beyond exhausted on getting this resolved. Discover has not provided me any Legal written documentation or proof providing I have did business with this company and they refuse to issue me back the {$400.00} charge. 

Per the recorded calls they don't even have a phone number or proper documentation/ proof to give me to call to contact this company about the charge, this is not a fair business practice I hope we can get this handled collectively here. I am seeing the {$400.00} to be credited back to my account. 

This is exhausting and it is causing me so much stress/ time and extra charges on my account. 
Thank you for your attention on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24
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:
CRA is in continual error of reporting erroneous 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 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 2021-01-28
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-12
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, On Thursday, XX/XX/XXXX, I contacted FedLoan Servicing after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. Throughout the pandemic I paid almost $ XXXX in payments. It seems as though FedLoan Servicing is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that they application for forgiveness. They stated that our loan balances won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed send in my request. I realize with the influx of calls that getting our money back could take a while, but it's very concerning to me that they're saying this entire process can take longer than 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently getting that money back would be life changing for me as well as many others. So, seeing other people 's loan providers reinstating their balance after requesting it in just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XXXX XXXX XXXXXXXX I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List the accounts 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 explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax was negligent in how they managed their site security and leaked my information ( along with 143M other people ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TRANSUNION REFUSE TO REMOVE THESE UNAUTHORIZED AND UNVERIFIED INQUIRIES OFF MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-03-28
Company: STEWARD FINANCIAL SERVICES LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In the beginning of XXXX of XXXX my car was stolen, I reported it to Steward financial services since they service my loan, during this call they forwarded my title to the police department. The lady said thanks for letting us know and the call was ended. I then get numerous calls in the beginning of XXXX stating that my payment due at the end of XXXX is late and I told them again my car was stolen so I cant pay at the moment. XXXX then said well your payment is past due and we need the money when can you pay. This went on for about 5 minutes back and forth until I hung up. I get a email in XXXX from XXXX, she stated I needed to call. I was hesitant because they are very rude there. I called and she apologized how my loan was handled and someone should have offered a deferment. But now Im 2 months behind. On XX/XX/XXXX XXXX sent me the deferral paperwork and said until the car is found we can defer for 3 months. On XX/XX/XXXX my car was recovered and placed on police hold for investigation, on XXXX my car was deemed a total loss by my insurance, on the same day I get an email saying my deferment was denied because the car was repairable and I need to make a payment immediately. I emailed the lady back my documents of a total loss and there was no response. I have gap coverage therefor paperwork was exchange o how much I owe to the insurance, steward financial, and XXXX ( gap ). The documents I received from XXXX and XXXX stated that the balance was paid in full but in XXXX XXXX began calling me saying I owe XXXX. When I ask why XXXX or XXXX keeps telling me that's what I need to pay or they will put it on my credit report and my credit will be messed up. They will not go over math or any paper work with me, he always states he don't care what I have, he has the correct information.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-28
Company: Unisa, Inc
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been regularly paying a private institutional loan to this company since XXXX 2018, but the loan has never appeared on my credit reports. When I asked a representative as to why the loan or was not appearing on my XXXX XXXX report, the company did not have an answer. After reviewing all three of my credit reports, I found that UNISA, INC. was not listed or accounted for on any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Rent Recovery Solutions
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contact me. That's your responsibility. I will however keep on filing this report until things get resolved. If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. # 1 I have never even met any of the aprtment rental ppl due to pandemic. # 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. # 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was alerted of a credit inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Phone # : ( XXXX ) XXXX I called on XX/XX/XXXX they mentioned they never pulled 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 2019-07-24
Company: BB&T CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX said : BB & T Branch Banking and Trust Company Corporate Investigation XXXX. XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Dear XXXX XXXX : I am writing in regard to your recent behavior at or around our facilities at XXXX XXXX XXXX XXXX XXXX, PA. While Branch Banking and Trust Co. is committed to being open to the public, and accommodating our customers, your conduct falls outside the bounds of acceptable behavior. 

As a result, Branch Banking and Trust Co. is no longer willing to permit you to enter any of our banking locations. Accordingly, I am writing as an XXXX of Branch Banking and Trust Company to advise you that you are prohibited from entering any premises of the Branch Banking and Trust Company. 

If you choose to enter the premises of Branch Banking and Trust Co. you will be deemed in violation of the State of Pennsylvania, Criminal Trespass Statue, 3503, and Branch Banking and Trust Co. will take appropriate action. 

Please govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX XXXX has an office beside BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX is also ... 

XXXX XXXX XXXX XXXX and Chief Excutive Officer XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX, PA XXXX Phone : ( 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 2017-04-25
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
first after I tried to refi with them the  set 1 paym ent schedule then they tried to withdraw that. as I am struggling to make payments they keep changing the amount due from what they originally said for my fixed rate. over the years they have filed foreclosure and forced me to file bankruptcy 4 times. every other month now since  XXXX    XXXX   they send foreclosure papers out 45 days after a due date and a payment has been made even though it was more than what was set from the last refi. I made the requested payment every month even though it was more than what was set. they are the worst management company. they have service reps in  XXXX  that do not know what is goin g on in the US for days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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 status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: C/C Financial
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 status incorrect

Complaint:
Preferred Lease has been falsely reporting information on my credit report for the past 6 months. I used this company to lease some furniture and after paying the balance of XXXX on XX/XX/XXXX, I requested to have it picked up. After speaking with the CSR on the phone, he assured me that the account would be marked for recovery status and that the payments would cease. More than a month later, Preferred Lease reports to the credit bureau and flags my account as delinquent. I had called several times because the furniture still wasn't picked up. I called almost weekly, some times more because it was never picked up. I was told that someone named XXXX would call and set up a pickup time. I sent the photos requested, I sent the information showing the payment made on XX/XX/XXXX. The next month, they reported to the credit bureau and showed I was late. I called again, the furniture still had not been picked up. I asked why were they reporting to the bureau when I had asked to have the furniture returned. XXXX said that I was still liable because they had not picked it up yet. I reiterated to XXXX that I had requested several times to have it picked up with no success. I again requested the furniture be picked up. 65 days later on XX/XX/XXXX, the furniture was retrieved. Again, they reported my account as late 60 days and filed as a voluntary repossession. I was told the return was allowed because it was a lease. When I called to ask what was going on, I was told that they were showing the account as CLOSED. On XX/XX/XXXX, Preferred lease was updated AGAIN! From {$300.00} to {$890.00}. The person I spoke with on XX/XX/XXXX, searched and stated that they had no open accounts in my name. It's reported that I owe XXXX and last payment was XX/XX/XXXX. The report dated XX/XX/XXXX shows last payment on XX/XX/XXXX. They are also reporting the account balance as {$3200.00} It should be XXXX because it was a lease, and I was given the option to return it. As of XX/XX/XXXX, this account is still on my XXXX credit report as 90 days delinquent and owing {$3200.00}. I filed a complaint with the XXXX on XX/XX/XXXX and received a response that said the company believed their information was accurate, but that they would request a deletion. The account was closed per previous conversation with corporate, so the letter is a false statement. 
Product_Or_Service : XX/XX/XXXX Account_Number : 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 2021-09-13
Company: Paramount Recovery Systems, L.P.
State: FL
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Open balance : {$1900.00} & {$2700.00} Collection Creditor : PARAMOUNT RECOVERY Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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