BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX In Accordance with the Fair Credit act XXXX account # XXXX

has violated my rights. 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.

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 2021-04-12
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was in the custody of XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They took me to the XXXX  for XXXX. I am not responsible for being XXXX XXXX XXXX XXXX XXXX! This happened XXXX XXXX. I was never notified of anything until it showed up on my XXXX XXXX account! I was told I would have to pay for nothing ... I asked who has to pay for this and would have refused treatment if I was having to pay. So given the fact I had been beaten by the police and traumatized extremely.. its a slap in the face to sneak bills into collections in my name

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: Nelnet, 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: Account information incorrect

Complaint:
I filed several disputes with XXXX  regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however  XXXX  refuses to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
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:
In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding XXXX  XXXX # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone 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 2021-05-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER 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 explanation
Consumer complaint received 2021-05-02
Company: P.S.C., Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Puget Sound Collections. They are reporting multiple medical collection accounts from " XXXX XXXX XXXX ''. I have never received a dunning letter from Puget Sound Collections. On XX/XX/2021 I requested Puget Sound Collections to validate the debt as I legally have that right as a consumer. As of today XXXX they did not respond, I have also followed up again on XXXX. I have never signed a HIPPA release form with XXXX XXXX XXXX. Puget Sound Collections is also illegally charging interest on the alleged medical debt. I live in Florida and Puget Sound Collections is located in XXXX, WA. Puget Sound Collections is not a licensed collection company in the state of Florida. Puget Sound Collections also has might be intentionally breaking federal interstate commerce law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & Experian on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Experian reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX XXXX  payment if this claim is to be true. XXXX  and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if XXXX  & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.

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 2021-05-02
Company: JPMORGAN CHASE & CO.
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:
I have sent multiple dispute letters regarding a fraudulent account on my credit report, I sent a total of six disputes. Last correspondance I had with XXXX specifically was XX/XX/XXXX and I told the representative the problem about how the person who opened the account used a name that doesnt match my ID/DL card. That is very concerning considering I am trying to purchase a property and this account is holding me back from living the live I deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Two checks were forged and cashed out of my account. Both of them were typed. They were dated for XX/XX/XXXX. I caught the error on XX/XX/XXXX, and make a claim. I was told that my claim would take 3-5 business days to process, and then I would receive my money back. It was been 6 business days, so i called customer service to get an update. I was informed that it may take 30 business days to receive my money back. It could take until XX/XX/XXXX to get my money back. Thats 42 days My account will be shot {$1800.00} bc chase fraud department allowed two typed check to be paid. Also, my account states that I do not wish to cover anything if I do not have the money in my account. Against my wishes, I was charged a {$34.00} insignificant funds fee, so the second fraudulent check could be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Collection USA is attempting to collect a debt in the amount of {$240.00} for services rendered by a podiatrist I had visited a few years ago. When I asked them for validation of the debt, I did not receive it. I asked them to then cease calling to collect the debt until they had sent a validation letter to my home address. They continued to call. I had blocked their number and was continuing on with my life until I received a call from my brother, who had begun getting collection calls for this bill in my name. We do not have similar first names or even the same last name and we do not live in the same area. This also happened with another account on my credit report, which I will also be disputing today. I never authorized anyone to speak with my brother, and he was told my name, my address, the debt and the reason for the debt. Because this is medical debt, I did not think that was allowed. I do not even allow doctors offices to provide my wife with information, let alone my brother who I barely speak with. He called me, angrily, to see if I had used his name for some reason, and if I was expecting him to pay the bill. It seems illegal for them to be contacting people this way!

Company response to consumer: Untimely response
Consumer complaint received 2018-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I notified Capital One and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( XXXX, Transunion and XXXX ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.

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 2018-04-20
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I made a large payment of {$49000.00} in XX/XX/XXXXwhich Discover applied incorrectly to my account. Suddenly in XXXX I started getting bills saying {$0.00} due next payment due in XX/XX/XXXX. Then this year I get bill saying that my payment of {$320.00} is due. I contacted Discover and asked for a full review of my account and why I now m owe {$320.00} a month. Discover sent me an amortization of w.hat I owe them. I called again and they said they would look into it and call me back, no call. I finally got a supervisor who told me that my account had a problem due to a system upgrade that triggered the new payment. I was also told a team was working on my account and would get me definite answers. 
I received a letter this week saying info was posted online for me to see, nothing there but an incorrect bill. Additionally, both my son and I are receiving phone calls and threats to turn us over to Credit Bureau as delinquent. This saga has now been going on for five months, and I still cant get the info on how my payment was applied, how much I have left to pay ( number has changed at least three times ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, A {$200.00} collections from AFNI on behalf of XXXX XXXX XXXX XXXX showed up on my XXXX  credit report today. 

I do not owe this money and have had the same collection show up on my credit report in the past for several years now. I have repeatedly disputed the report as the various collection agencies keep changing the date. Immediately prior to this instance, the date listed was XXXX XXXX. There is no date listed for the delinquency reported today, XX/XX/XXXX, so I presume that is the date the credit bureau/ AFNI is using. 

I have also received phone calls and letters over the years despite my statement that " I will not pay this debt. Any further communication with me is in violation of the Fair Debt Collection Practices Act. '' Even if I did owe the money, the statute of limitations for debt collection in the state of Texas, where the debt was allegedly incurred, is 4 years ( Tex. Civ. Prac. Rem. Code Sec. 16.004 ; Tex. Fin. Code sec. 392.007 ( d ) ) That time has past. In XX/XX/XXXX, I did vacate my XXXX, Texas apartment. However, the internet services I cancelled were XXXX XXXX, with whom I had an account since XXXX ( see the attached documents ). 

By this writing, I respectfully request that the CFPB require XXXX XXXX XXXX XXXX recall the debt from AFNI, remove the collections from my credit report, and prohibit AFNI and XXXX XXXX XXXX XXXX from making any further reports to my credit. 

Should you wish to discuss this matter further, I can be contacted at : XXXX ( XXXX ) XXXX Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Iberia has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-20
Company: Unisa, Inc
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18, I received a notice that a collection was put onto my XXXX   Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with Unsia, Inc. I did not receive notification that my account was in collections or was owed to anyone other than Unsia, Inc. I called Unsia, Inc and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Denial of credit in contradiction of XXXX and XXXX credit scores, along with a failure to confirm receipt of current income levels and asset liquidation net proceeds. Lack of communication, underwriting incompetence/indifference and unprofessionalism also played a large role in my experience. TD Bank did not provide convenience or Legendary Service as they advertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Wells Fargo in XX/XX/XXXX and was set up on a payment for the back mortgage payment. When I called in XX/XX/XXXX to make payment I was told the payment plan was deleted on X/X/2017. The customer rep told me her supervisor will review the call to see why the payment plan was deleted. On XXXX XXXX, 2017 I received a notice of intention to foreclose mortgage letter date for XX/XX/XXXX. I called WFM again and rep told me a supervisor will be getting back to me about the deleted payment plan. No one has called back about this issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: R & B Corporation of Virginia
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is regarding Credit Control Corp. On my credit reports this debt collector reports the original creditor as " XXXX XXXX XXXX. Anyone who sees this can XXXX it and see that the XXXX XXXX is " ... a drug rehab center located in XXXX, VA, offering evaluation, detox, partial hospitalization and IOP addiction treatment. '' This is a violation of my HIPAA rights because it allows anyone that pulls my credit reports to made a determination of my medical diagnosis.

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