BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Diverse Funding Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by your company. Specifically, that XXXX has placed my account for collection and selling my information to DNF without my consent of communicating to any unauthorized third party and without XXXX providing me with an opt-out disclosure in our initial transaction, you are in in violation of 15 U.S. Code 1692c. 
As evidence of this violation, I have attached a copy of my consumer report, which shows that your company has placed my account for collection with the notation that the original creditor was XXXX. However, I have not given consent for my personal information to be shared with DNF Associates. 
This action by your company has caused me harm, and I am requesting payment of {$1000.00} for the violation. I request that you issue a check for this amount no later than 10 days after receipt of this letter. If this matter is not resolved within the allotted time frame I will take legal action against DNF Associates. I am demanding to cease all communication and reporting of this immediately. Do not contact me unless informing me of the remedy requested. The requested response must be made by affidavit. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: DISCOVER BANK
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX  Date Updated Remakes- XXXX  XXXX Bankruptcy Account Closed XXXXXXXX  Remark Code was removed from Discover Bank account XXXX Remark Code was added from Discover Bank account XXXX call XXXX to dispute this added remark adv to contact creditor XXXX- call to Discover Bank spoke with Fraud, Customer Service & Bankruptcy dept who update the notes on my account that there was no update done or records of any update. No dispute was open on or by me and they are not understanding why there was an update to the remark, was provided the only thing was it was my mistake. 
Advised to open a dispute & they would correct. 

I advised that I am in the middle of purchasing a morgage and need this updated asap I this deleted and my score rapid rescoring

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear : Transunion, XXXX, and XXXX Date- XX/XX/XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2018-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification and I was denied. The reason given for the denial is that the bank could not lower the payments even after a thorough review of my application and new financial information. 

The reason for the default is due to medical issues as I injured my XXXX XXXX and had undergone a XXXX and as such I was unable to work for almost one year. 

At this point I am able and willing to make the payments even if they are higher as there is sufficient income and as such I do not believe that my application for a modification should have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Bass & Associates, P.C., Attorneys at Law
State: MI
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:
Bass & Associates, P.C. ( Bass ), sent me a a settlement letter dated XX/XX/XXXX for my defaulted student loan account with the U.S. Department of Education, Federal Student Aid. On page 1, Bass stated, " This notice confirms our offer to accept {$4400.00} as full settlement and satisfaction of your obligation on this debt. '' Page 2 at the end of this Bass letter ( XX/XX/XXXX ) states, " Loans included in this agreement : Nos. XXXX, XXXX, XXXX, XXXX & XXXX. This comprises the five loans, not the two they portend was agreed. Again, it's on their letter, and thus, the understanding was the five loans as full settlement for the total of {$4400.00}. In addition to this letter, phone conversations took place between Bass & my grandmother, XXXX XXXX, affirming the agreement. A cashier 's check in the amount of {$4400.00} was received by USDOE prior to XX/XX/XXXX deadline. 

The five above-referenced FDSLs : XX/XX/XXXX-two with XXXX XXXX   XXXX ; XXXX-three with XXXX  XXXX XXXX and XXXX XXXX. 

Now, Bass is saying they meant to only include 2 of the five loans but the settlement agreement is stated in the XXXX XXXX, XXXX letter for 5 loans, and my grandparents and I adhered to the agreement. XXXX should be responsible for their actions in their arrangement with USDOE. Our agreement should be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a follow up from case XXXX as my issue is STILL not resolved. Goldman Sachs indicated they backdated my payment to XX/XX/XXXX, as it should have been, except I am still being assessed interest despite that statement being paid in full. They made no effort to contact me except for a single voicemail, where they did not leave a return number other than general customer service, and general customer service has no idea how to step into this matter and help me. 

What I now show, is the payment date changed from XXXX to XX/XX/XXXX, and interest charges of {$77.00} on XX/XX/XXXX. General customer service says the payment date is wrong, it should be XX/XX/XXXX and shows as such on their end, but they can not explain the additional interest charge or the fact that my account is now accruing interest for the month of XXXX, despite it starting the month out with a {$0.00} balance, paid in full in the previous month. It is my supposition that their " backdating '' of the payment has created more problems for me than it solved. 

Suffice it to say, my issue is not resolved, and as an aside, I believe Goldman Sachs is lying about the limitation of check payments existing on XXXX 's side. XXXX and my credit union both indicate the limitation is on Goldman 's side and while I can't definitely prove it one way or the other, I'll note that I have no issue paying any other credit card bank via XXXX. This is solely a problem with Goldman Sachs. 

As an additional aside, I have filed for arbitration against Goldman Sachs on this matter, due to their continued unwillingness to simply fix my account. I would very much like to resolve this without seeing that process through to its conclusion but at this point I do not believe that is likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX sent XXXX medical bills to collections. I do not owe any medical bills. I had full coverage insurance on all three bills. Medical foundation will not take responsibility for XXXX of the XXXX bills. I have proof that insurance information was sent over for XXXX of the bills. The XXXX bill the Dr. Office did not send over insurance information. My dispute was denied through the credit bureau. How do I make the XXXX XXXX take fault in their mistake? I 've reached out to a few professionals. One told me to pay the {$900.00}. The other one told me small claims. XXXX XXXX wants to charge me {$200.00} to erase the debt. Finally professional told me to gather all information from Dr. Office & XXXX an that I will be not be at fault if insurance was active, and covered the bills. The dispute will remain between the Dr. Office & 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 2023-01-23
Company: UMB FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi have a health savings account with XXXX XXXX XXXX. After I left my job, I received a letter that my account and funds had been transferred to another provider. I called XXXX to have a new debit card sent. They were unable to find my account. After multiple calls, my account was located and a debit card was mailed. I did not receive a new card. I called again in XX/XX/ to request another card be mailed. They said it was mailed and I didn't receive it. I've since called XXXX XXXX XXXX times and I've yet to receive a card. The company has had my money for over a year and I have had no way to access it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.

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 2023-09-02
Company: Alorica Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with XXXXXXXX XXXX XXXX XXXX. I had XXXX issues with XXXX. Then they sold off all of these loans to a company called SST AKA Alorica and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now SST has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to SST Alorica. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Upstart Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, UPSTART NETWORK INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC Section 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fadv/Resident Data XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: U.S. BANCORP
State: WI
Product: Credit 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:
On XX/XX/XXXX I charged a hotel room to my corporate card. The hotel room was not actually available as the system was down. I spoke to person at the front desk who assured me that the charge would be removed. After returning from my trip there were two charges. One for the room at {$140.00} and the other was {$100.00}. I opened a dispute with US Bank. Our travel agency called the hotel and they had charged me for a room and the other charge was a pre-authorization fee for the room that was supposed to drop but did not. US Bank requested documentation by XX/XX/XXXX. I sent them the documents on XX/XX/XXXX. A week later they ruled in favor of merchant due to me not responding. The hotel credited me back for the room fee but not the {$100.00} fee as they didnt have any record of this. I called US Bank again and explained that charge and they said they were going to review, but I have not heard anything back. Also, since they ruled in favor of the merchant and closed the dispute, due to company policy I had to pay that fee out of my pocket. I do not understand how a bank recognizes its a pre-authorization charge common in the hotel industry that never dropped AND was informed that the merchant has no record of it that I was forced to pay for 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 monetary relief
Consumer complaint received 2019-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 would like to report this incorrect late remark that shouldn't be in the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK

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