BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

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.

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 2019-08-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint against Comenity Bank Avenue. I have tried to dispute this account about 7 times, and it keeps coming back verified which is not true. Enclosed is documentation regarding FTC Report My DL Id and Social Security Card. I want XXXX XXXX XXXX to please provide proof that this my account. It must have my name social and DOB on the verification of proof. I am requesting your assistance to putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My XXXX covered all my expenses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an miscellaneous fee on my auto loan some months back. I questioned the amount which was {$50.00}. Once I learned what the charge was for I was ok with paying that amount. My vehicle was held for evidence and I was fully aware that it wouldnt be released until I received an District attorney release. This release would be sent to me and only me. The finance company told me that they provided a lawyer and would see about getting the vehicle released, this is when I was charged the {$50.00} amount. I received 2 more payments and was told after the first one that the amount wouldnt increase especially after I stated that Im not aware of any charges and that there shouldnt be any charges especially when my situation doesnt involve any payment. This situation has been going on for months and as of XX/XX/2020 I finally have an idea of what has taken place especially after the finance company told me the vehicle was held for a DWI which is false and I was being held accountable for towing fees. This again is also false because no charges I would be held accountable for since the District Attorney has possession and would be making the necessary arrangements for the vehicle to be transported to its destination. As of right now the fees are {$760.00} This doesnt make sense to pay especially when I know that no money would be out of my pocket during this whole ordeal. Why would I pay a lawyer hundreds of dollars for information that I have for free. This makes no sense whats so ever. I could see being held accountable for payments especially if I was behind and the company retrieved the vehicle but I havent ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on trans union and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter.

Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report.

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of XXXX XXXX and who i trusted with the information that was given to me. I did end up getting the XXXX  computer at a later date which was my intention i send a copy of the receipt.

It would benefit both the company and the customer best interest if XXXX XXXX could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit XXXX XXXX when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with XXXX XXXX any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made.

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as XXXX XXXX could fulfill the request of their customer and to rebuild that relationship with me.

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 2020-10-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing ( PHEAA ) has begun ignoring my standing payment instructions yet again. This is the sixth CFPB complaint I have filed because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint, and subsequent complaints. The most recent example of incorrectly applied payments is my payment for {$1000.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX ( Loan # 8 ) and interest rate of 4.45 % ( the highest rate ) but it was instead applied to loans with lower interest rates ( disbursed XX/XX/XXXX and XX/XX/XXXX ). I have attached a screen capture showing that this payment was not applied correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got this property in XXXX of 2016 due to the death of XXXX XXXX. I am her daughter I have asked since her death to remove the estate of XXXX XXXX off of the loan due to me not being able to ensure the property with that on there. Nonetheless, every time I send a request or call they tell me they are mailing it out. I currently pay XXXX yearly in insurance through the mortgage company when the insurance is only XXXX yearly. I have stressed to them several times and they keep telling me they are mailing it out. the name on the account is the estate of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX account number is XXXX. I am the authorized account holder since 2016 XXXX XXXX the same address never late on the mortgage. and pay an extra XXXX monthly. I'm not sure why this is so hard I've given over 15 requests between 3 mortgage companies in 4 years and 4 months with no results. the company is XXXX XXXX XXXX and PHH mortgage services. their phone number is 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 2020-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm having issues with getting the credit bureaus to remove the fraud alerts off my credit file.

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 2020-10-28
Company: EQUIFAX, 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:
On XX/XX/2020 I had a fraudulent inquiry on my Equifax and XXXX XXXX credit Files via XXXX XXXX. I reached out to them ( XXXX XXXX ) immediately and they conducted their investigation and determined that the inquiry was that of identity theft and or fraud. Upon their completed investigation they, XXXX XXXX sent me notice of Inquiry Suppression XXXX / Dated XX/XX/2020 I have since reached out and notified both the Equifax Credit Bureau and XXXX XXXX Credit Bureau attaching the letter from XXXX XXXX together sending US Mail certified return receipt to each of them. To this date XXXX XXXX Credit Bureau removed the Fraudulent Inquiry Immediately per FCRA after five days of receipt. However to this date of filing this dispute with CFPB ( XX/XX/2020 XXXX XXXX  ) I have reached out to Equifax on three separate occasions concerning this theft of identity and they have failed to remove this Inquiry even though being provided this notification from XXXX XXXX. My rights under the FCRA have been violated multiple times by a one Equifax Credit Bureau and as a final attempt to have this inquiry deleted my attorney has recommended/advised me that I file this request first with CFPB before moving forward with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: SC
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:
I have reached out on twice to Equifax, XX/XX/2020 and XX/XX/2020 asking them to provide me the name of the original creditor of 3 accounts listed on my credit report so that I may reach out to them for additional information. My credit report was updated that I disputed the item however I was never provided with the companies name and the accounts are still showing up on my credit report. I need to get this resolved as it is hurting my credit score and keeping me from getting financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
One of the 2 accounts from USAA is showing correctly, however one was  not closed correctly with USAA, making it show negatively where they closed the account because it had been fraudulently compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Regarding : Medical Bill For I mailed a Hippa Debt Validation letter to this company on XX/XX/XXXX and in return I received a letter dated on XX/XX/XXXX ONLY for two pages of my outpatient discharge claim. Which has all of my medical information on it and my medical procedure. I asked for the following documents below within 30 days and due to this company violating my HIPPA rights as a patient. The following below is what I asked for in writing to XXXX XXXX company listed below. It was not received within the 30 days which is a law by the FCRA and I demand this company no longer collect this debt. This company has tons of complaints and issues online for violating Hippa rights. Please Remove this debt ASAP from this company and send me correspondence at a timely manner. Listed below is all the information I requested from this company and was not sent to me. I have proof of the letter and also copies of everything. 
__________________________________________________________________________________ Validation of Debt and HIPAA authorization ( Items I requested in XXXX ) -Please provide breakdown of ALL fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you a collection agency -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt In 30 days due to the FCRA Law. I did not give this company authority to have my medical records from my 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 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened up an account in XX/XX/2018 with Bank of America and they sent me an account number and card. I sign up with a {$100.00} promotion they were offering, which required setting up direct deposit. After setting up direct deposit through my employer, one {$250.00} direct deposit went through and then Bank of America froze the account so the other {$250.00} deposit would not go through and then closed my account. I called XXXX and spoke to XXXX and she could not give me a reason for closing the account. 

It is unethical to offer a promotion and open up an account for someone, and then as soon as they meet the requirements you close their account before delivering the promotion.

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 2018-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA Allowed a 3rd party company to make an authorized debit. I provided the necessary documentation and USAA refused to process the claim as fraud / unauthorized transaction. 

My account was charged on XX/XX/2017 in the amount of {$490.00} and XX/XX/2017 in the amount of {$490.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I did not see the direct deposit option when signing up for unemployment benefits through the State of Maine, so they sent me a US Bank Card. I have since changed my information with the Maine department of Labor - they are now doing direct deposit. However I have XXXX on the US Bank card I wish to transfer into my bank account. I do not wish to use the card provided by the government. However when I log on to US Bank to inquire about closing the card account and transferring the funds, they only provide a phone number to call. ( XXXX ) When i call this number, I am disconnected after a few minutes ; I am never able to talk to someone about my card or this problem. There is no email to contact US Bank Reliacard staff.It feels a lot like fraud as every number included on their letter XXXX including the one for the CFPB XXXX ) disconnects you after you call it.

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 2018-07-13
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a student loan that has been in default for some time. Both GC Services Limited Partnership and the US Department of Education indicate to go to the XXXX website for up to date information on the balance and status of a student loan. On XX/XX/18, I went to the website, got the exact balance, and paid it off. I then contacted both the Department of Education and GC Services Limited to express that I had made the full payment, in the amount shown on the website of {$3800.00}. In discussion with the Department of Education and GC Services Limited, at no time was there any indication of further debt being owed, over and above what was on the website, and I was informed I should show a {$0.00} balance on my account within 3 - 5 days, per the Department of Education, and that it would take a few days longer for it to reflect the same with GC Services Limited. This morning, I went to the XXXX website to find that I did not have a {$0.00} balance, but a balance of over {$700.00} dollars showing. I made contact today, XX/XX/18, with the dispute resolution group at the Department of Education to express my concern, my disapproval, and my feeling of being both the victim of a bait and switch and defrauded, as there was ample opportunity for the website to have been made accurate prior to my payment, and, during the discussions with both groups after payment was made, to tell me if there was an issue. The individual at the Department of Education informed me her system shows over a {$900.00} balance still remaining due. To that end, the Department of Education is sending me a dispute form via snail mail, which will take 7 - 10 days to arrive, that I must then fill out and mail in to another address for processing, however, that will not stop interest from accruing. In my conversation today with the Department of Education I have laid out the requirement that the fees all be waived due to this being a misrepresentation on the website, which is clearly not something I maintain, making this a true bait and switch by this organization, especially since the Department of Education is also being given different, false, fraudulent information by the organization they've chosen to hire.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several certified letter to transunion requesting verification of bankruptcy on my credit report I know that there company uses an electronic method to verify public records. Iam aware that my local courthouse does not offer verification this way. So how and why are they reporting unverified bankruptcy on 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 2020-04-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Navy Federal is reporting my account closed and paid, but it's still open and getting charged 18 % on my credit report and is automatically taking payments out of my account.I have enclosed evidence of my documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation