BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This is regards to a credit card dispute with my bank USAA. They did not adequately process the dispute even though I showed proof that it was a fraudulent charge. 

On XX/XX/XXXX I booked a room through XXXX. Conrmation Number XXXX for hotel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. 

When I arrived the hotel did not have a reservation for me and the front desk agent states that the hotel was sold out. I called XXXX for a refund and they have refused to issue a room or give a refund. They stated that they need to call the hotel, but no one answers the phone. I contacted the hotel and they have also refused to reach out to XXXX to issue a refund. I believe that taking a customer 's money and refusing to provide service or a refund is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-12-27
Company: Navient Solutions, LLC.
State: KY
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:
Current status, I have 3 loans through Navient. They are currently in grace period, but I have been making payments. 

XX/XX/XXXX - I paid {$2000.00} towards my loans. Navient withdrew {$2000.00} from my account and only applied {$1500.00} to my principle and interest. My Navient account reflects I only paid a total of {$1500.00}, however, my bank account is reflecting {$2000.00} has been withdrawn and the other {$500.00} has never been applied to my loans or refunded. An email from Navient on the date of payment reflects {$2000.00} was paid despite only {$1500.00} being applied. 

XX/XX/XXXX - I paid {$1000.00} towards each of my 3 loan accounts ( {$330.00} to each ). Again, Navient withdrew the {$1000.00}, but only applied {$330.00} to two of my accounts, totaling {$670.00}. I have the email confirmation of the {$1000.00} payment being received, and my bank account reflects the withdrawal by Navient with no refund of the unaccounted for {$330.00}. 

When I called about this issue, I was told that I only paid the amounts that Navient applied and that they refunded the unapplied amounts ( which is not the case ). I called again and was told, " my manager said that the money is not showing on your account because it was automatically applied to the principle. '' This is complete deception, and fraud, by this loan servicer, as there is absolutely no evidence that funds in question were applied to any of my debt, although they were withdrawn from my bank account and never refunded. 

If I looked beyond these two events, I 'm sure that my account would reflect more fraud by Navient. I will provide emails of payment confirmations and bank account withdrawals that reflect exact amounts on confirmations to compare to the inaccurate numbers on my Navient Account History page upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX prior to XXXX XXXX, XXXX to inform them that I was moving to a new residence. XXXX informed me that they did/could not provide service at my new address ( which happened to be in a different state ) and therefore I needed to stop my service. They did not inform me that I owed anything, but that I needed to return my devices that were owed to them. 
On XXXX XXXX, XXXX I received an email ( the only email after stopping service, email is attached ) stating that they had received my disconnect request, and again, did not state I owed any money. 
On XXXX XXXX, XXXX I returned the devices to the XXXX store in person, was told that I did not owe anything, and received a receipt stating that the devices had been returned ( attached ). 
On XXXX XXXX, XXXX I received a letter from a collection agency Diversified Consultants Inc. ( letter attached, letter dated XXXX XXXX, XXXX ) stating I owed a debt of {$220.00} to XXXX. I contacted XXXX and they informed me I owed the money as a cancellation fee as I had voluntarily cancelled my service. I informed them that I did not have an option, I did not want to cancel the service, but that XXXX could not provide service in the new residence I was moving to and therefore should not be liable for this cancellation fee, and in addition, XXXX never contacted me informing me I would owe this fee if I cancelled service. XXXX agent informed me that there was nothing they could do, but would have a supervisor call me back to resolve the issue. No supervisor ever called me. 
On XXXX XXXX, XXXX I sent a letter to Diversified Consultants Inc. disputing the debt ( attached ). 
On XXXX XXXX, XXXX I received a letter from Diversified Consultants Inc. stating that the amount I owed was valid. Also with that letter was a bill from XXXX ( attached ) stating that my service was disconnected with a balance due of {$220.00}.

I am disputing these charges because : 1 ) I was never informed prior, during, or after disconnecting my service from XXXX that I would be billed a disconnection fee. XXXX never contacted me about the fee before turning it over to a collection agency. 
2 ) I had no other option but to disconnect service from XXXX because they could not provide service at my new residence and I should not be responsible for this fee. 
3 ) I paid all money owed to XXXX for services delivered over a 4 year period, and should not be unduly charged a fee for moving to a new location, which this debt will negatively impact my otherwise good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: HI
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 first contacted Equifax on XX/XX/XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy Court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. Equifax responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XX/XX/XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records.

on XX/XX/XXXX I then wrote back to the XXXX people with information from the courts and not reporting that information to them as well as the NEW Information I Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Equifax once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX XXXX ON XX/XX/XXXX. to which I am having as a response once again from Equifax saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Old information reappears or never goes away

Complaint:
In 2017 Equifax was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, Equifax, XXXX and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of Equifax having the data breach my personal information back was used and my credit destroyed. Equifax ruined me life and continues to do so. who governs this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house. 

Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
What a horrible bank experience I applied for XXXX credit cards bilt and another one and they approved me for my bilt sent it to me by mail and then their fraud dept calls me telling me they are restricting my account because they made a mistake to approve me after sending me my card this makes no sense what bank does this and tells the customer this I cant use XXXX XXXXXXXX XXXX  after I was approved this isnt fair they want me to visit a branch to show Id Ive never been treated like this and my fraud alert I have on mt credit report was verified before approving my credit card application the fraud rep did not let me even let me speak said XXXX account was restricted until I completed verification but I already did they send me a text with a passcode before approving me for {$2500.00} this makes no sense how they cant see that and can get away with this such a frustrating experience

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 2019-07-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian failed to investigate the accounts in my last dispute. They have done little to provide any evidence to support their verification. The burden of proof is not on the consumer. Experian has not provided a method of verification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, on several occasions, contacted each creditor regarding my disputes and have not received a response or have received very little information that does not support the inaccurate reportings. 

This willful non-compliance is unacceptable and these disputes need to be treated with detailed attention. The XXXX XXXX verification method is not adequate. These listings need to be manually reviewed and either updated or removed. Both Experian and the creditor fail to prove or provide substantial or convincing evidence to support their inadequate reportings. If someone manually reviewed these disputes rather than depend on software to match stored data, these listings would have been removed or updated properly after my very first dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XXXX sent a letter to transition disputing information on an account named XXXX  I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off 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 2021-06-10
Company: EQUIFAX, INC.
State: TN
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 notified Equifax back in XXXX of XXXX that I have been a victim of identity theft. I contacted them today XX/XX/XXXX letting them know that someone attempted to get things using my information. They did nothing but kept reading from a script. The things attached to this identity theft report need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NE
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:
Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.

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 2021-06-15
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
car was involved in an accident XX/XX/21. The car was deemed totaled by the insurance company on XX/XX/21. The insurance company contact Bridgecrest and myself contacted Bridgecrest to inform them of the situation. I have GAP insurance on the car. Bridge crest did not closed the account even when they received the check issued from the insurance company. Leaving the account passed due. I was also told by one of the representatives that I would be reported the Credit bureau because I was pass due which would lower my credit score and make it difficult for to get another car. I have all my paper work from when I first purchase the car, a record of all my payment and when the check was issued to Bridgecrest. Ive been waiting to speak with some about the this issue from Bridgecrest. I was told that XXXX XXXX was working on this account. His has yet to return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: DC
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 do n't have any judgement in XXXX XXXX County, MD in the amount of {$3000.00} as stated 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 2017-10-05
Company: Bread Financial Holdings, Inc.
State: ME
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:
Firstly, today I received an email from XXXX XXXX  regarding my XXXX XXXX XXXX stating that my XXXX account would be closed effect XXXX XXXX. However, in my last billing cycle I was billed {$140.00} for an annual fee for which I will not receive any benefits for considering this account will be closed in a few months. The email received makes no mention to returning fees for service not provided. Furthermore, since being billed my annual fee I have not received any benefits as they have sent in past years. 

Secondly, when I first obtained this credit cards a few years back, I was charged for baggage fee while flying on XXXX XXXX which should have been credited back to my account as promised but never done so. I would also like this to be looked into, please. 

And lastly, I purchased a pet carrier from the XXXX XXXX XXXX XXXX check in counter for {$50.00} to transport my dog from XXXX XXXX to XXXX in XXXX XXXX. I also paid {$100.00} to transport her. Upon being on the plane I noticed the handle was defective. I filed an online complaint through XXXX XXXX and they stated that they could not do anything, but instead, would have to take the matter up with the XXXX XXXX counter at which I purchased the carrier. However, I live in Maine, and can not do this.

Company response to consumer: Closed with monetary relief