BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
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: Investigation took more than 30 days

Complaint:
TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXXXXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent 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 2020-12-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I called Navient seeking to apply for a XXXX XXXX XXXX XXXX as I had loans dating back to XXXX and currently working for a Governmental Agency. Navient directed me to Consolidate my loans which I did. Once I my loans was consolidated I was told by Navient I no longer qualify for XXXX and that I would have to start all over and make payments for 10 years before I qualify for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. 
XXXX XXXX thats a fax i sent by email they recieved for my info they had requested for identification on XX/XX/2019 @ XXXX mailed by XXXX also sent fax from fax file XX/XX/2019 they recieved that fax @ XXXX to fax server XXXX 6 pages were recieved in both of those fax were the federal trade report and that report number is XXXX my bank statement from XXXX XXXX XXXX XXXX with my proof of address federal trade commision letter FCRA 605B { 15 U.S.C. 1681c-2 social secuirty card DL and the cover letter statement of having my addres updated as well as what was in the rest of the fax Are there any other witnesses or victims to this incident? 
I am the victim of them commenting federal credit report acts yes there are plenty of witnesses and i have plenty of audio recordings of them doing this and knowingly lieing to me If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
i have reported this to FBI FTC CFPB Ive contacted the attorney generals office and my states attorney generals office and have left messages and waiting to hear back ive contacted the white house comment line and also am looking for a lawyer ive contacted the XXXX police department and the city of XXXX AR which is who had me contact the XXXX police Thank you for submitting your complaint to the Federal Trade Commission. Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : 10 Ways to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number : XXXX to help us quickly retrieve your information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to credit collection services. My mother has a joint account that was being used at XXXX and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXXraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ).

They refuse to correct information after being provided proof of  inaccuracy.

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 2021-04-05
Company: PENTAGON FEDERAL CREDIT UNION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX I was sent a PENFED Visa Debit card that I never applied for. Someone used my name and personal identifiers to open a fraudulent account. I called PENFED and closed the card. PENFED said that they would have someone from their fraud department get in touch with me within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
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:
On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on Experian credit bureau he made his phone primary also created an alert / freeze under that phone number

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Email received. Multiple emails of this nature coming from different senders. 

Wow Great News! This Is Amazing! Your New XX/XX/2021 Scores Are Now At a Record High Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, TransUnion and XXXX  Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America

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 2020-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the second time in two months, USAA/XXXX  has failed to appropriately apply my payments. I made a payment on XX/XX/XXXX, using the USAA/XXXX  system, which ONLY allows me to make the current payment and either pay into additional principal or pay into additional escrow. I paid {$640.00} for the current mortgage payment and an additional principal payment ( CLEARLY MARKED IN THEIR SYSTEM ) of {$640.00}. FOR THE SECOND TIME IN AS MANY MONTHS, the mortgage company illegally applied the funds as an additional monthly payment, pretending NOT to understand what is meant ( in their own system ) by " Additional Principal ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, 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:
My arrival plus XXXX XXXX XXXX MasterCard # : XXXX is lost/stolen and some of the charges on the account are fraudulent charges/transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: CO
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:
Hi, I appreciate Experian and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was XXXX XXXX I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to Experian already. But Experian has failed to get the correct response on my report. I want a zero balance showing on my report under XXXX XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Credit Control Services No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover said they were going to lower my interest rate. However, Discover charged me 18.49 % on purchases for XX/XX/XXXX and prior and charged an additional 14.49 % on purchases made on XX/XX/XXXX and after. This resulted in me paying 32.98 % in interest monthly. The interest rate a month was {$270.00} and my minimum payment was {$390.00}. However, I paid them $ 500-700 a month. Even when I paid off the entire balance they tried to charge me {$36.00} in interest on a {$27.00} balance that was on the card for two days.They told me my interest accrued daily and there was no grace period when charging a purchase. When I complained to the company they said we will give you a {$270.00} credit on the account for an account that was opened in XX/XX/XXXX with an excellent payment history. Subsequently, I have paid off this account and closed it. I feel that they was cheating me and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a balance of {$850.00} in PayPal cash, and on XX/XX/XXXX in the morning, I found out {$850.00} of them were withdrawn at some XXXX location without my consent. I immediately contacted PayPal to let them know the transaction was not authorized by me. I can't get to them by phone call because they are closed under the COVID-19 situation, so I left a message in the online message center of their website. However, they declined my request and said the transaction was consistent with my account. I don't think PayPal has done its job to protect my information as well as my money. I didn't get any notification when the cash withdraw was initiated, and the later on notification transaction ID I got in the email even differs from what they provide on their website. In a word, I think PayPal should be totally responsible for this issue and they should refund me the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to pay my monthly mortgage bill. It is due on the 1st of every month, but there is a 15 day grace period. 

When I log in and choose to make a direct ACH payment, it does not show that I owe a late fee. But instead, shows that in order to make a one-time payment, I must pay {$10.00}. There are other ways I can pay for free, like mailing a check or using their mobile app on or before the XXXX. But to pay over the phone or online through their portal costs {$12.00} and {$10.00}, respectively. 

My problem with this is it's dishonest. If there is a fee simply to pay your mortgage, it would be en force at any time you pay. This is essentially a late payment fee without being named as such. I've never had to pay a fee to pay my mortgage, and I've been with about half a dozen mortgage companies since 2008 thanks to them being continually sold to other companies. This is by far the worst service provider I've had. 

Please see the attached documents. It shows the ways you can pay without fee, and once you go through to the one-time payment screen, it shows the draft fee schedule at the top. On that one you'll see the box for " late fee '' is zero. The company is essentially levying a late fee but calling it something different to get around federal regulation.

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 2019-03-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with a promotional bonus offer of {$220.00} and I completed the required conditions to be awarded this but have not been awarded the bonus.

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 2021-04-06
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters to credit bureaus and have not receive a response from any of them. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. Received no letters in the mail or email. It has been XXXX months so far. There are not following the rules. They have 30 days to respond. I want these items removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have been battling with Experian to be honest and fair with scoring and they have the same data that XXXX and XXXX  and yet they have not changed score even though I get emails saying scores have jumped which copy. They have not changed score since XXXX. XXXX  has me at XXXX and XXXX has me at XXXX and Experian me at XXXX. That is too much of a gap to say theyare being fair. I believe they are doing this for I file justified complaints and all they do and say they are investigating and need another 30 days. They send out that they can not adjust score and that is hard to believe when it is clearly a error on their part and they do not want to fix and they clearly violate the Fair Credit Reporting Act.

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 2019-03-18
Company: PMAB,LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX submitted me for collection via PMAB after they received payment for account for my dependent via the insurance provider. Services were rendered XXXX for dependent in XXXX VA hospital a XXXX XXXX XXXX. I received a bill and realized they had wrong insurance informative provided them with the information they assured me they would refile. Upon reviewing my credit report collection agency PMAB advise that XX/XX/2018 XXXX XXXX XXXX sent me collections. I have been in communication with both entitys and can not get this resolved. I have a statement showing the patient balance as zero and have confirmed that with XXXX XXXX XXXX. I would like help getting this item removed from my credit report and holding both entities accountable for their discrepancy.

Company response to consumer: Closed with explanation