BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: Amsher Collection 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: Was not notified of investigation status or results

Complaint:
I called and spoke with XXXX, he said XXXX do not allow credit deletion. I try to explain to him that this was sent to collections by mistake. XXXX confirm that they sent the bill to the wrong address. I then ask to speak to a supervisor and he disconnected the call. 

I call back making this call number 2. Spoke with another representative that told me they try calling me and got " wrong number " this is XXXX my phone number is not wrong and is still working. When I asked to speak to supervisor again they disconnected the call for a second time. 

I find this to be rude and very unprofessional. Should not be hung up on just because I want to settle a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: T.S. Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It was reported by I.Q. Data International that I owed a debt of over {$2800.00} for the property XXXX XXXX in XXXX, FL. I contacted I.Q. Data International on XX/XX/XXXX and explained that my statement of deposit from XXXX XXXX indicated that I owed {$1300.00}. I provided a copy of the statement by email to management, XXXX XXXX, on that date. I subsequently made 2 payments equal to {$1300.00}. I was told that this would close my account and they would mail me a receipt and do a " Pay to delete '' of this account from my credit report. After 3 weeks of no correspondence with I.Q. Data International, I called to inquire why there were no changes to my account. I was told that the original owner of the debt, XXXX XXXX, would need to concur that this debt was paid and they had no communication from them. I was also told that they could take as long as they wanted. I then reached out to XXXX XXXX on XX/XX/XXXX, where I was told that my debt was to the previous property management team, XXXX XXXX. The property has been under new management since XXXX of XXXX and there is no record of my debt with the new property management. I have contacted XXXX Properties and have been unable to reach anyone other than a answering machine. I have emailed twice to email XXXX with no response. I would like my account to be resolved as promised and removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: FL
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:
In accordance with the Fair Credit Reporting Act, TD BANK USA/TARGETCREDIT XXXX XXXX XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: STERLING JEWELERS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent in a dispute of late payments on my credit reports to Kay jewelers. Since then, I have gotten 3 letters from Sterling Jewelers with different ticket numbers saying they need my full security Social Security number, my date of birth, and my previous address if I have recently moved. Although all that information was on my original letter, I did respond with the information they asked for on XX/XX/XXXX. I am still getting letters from them most recently on XX/XX/XXXX. I am quite confused about these 3 responses asking for the same information which has been given to them and wonder if they can even find my account. In addition, they have also sent me records of another persons credit history with them accidentally sent to me. This is a violation of all aspects I can imagine. 
My original dispute was of late payments not correct. My account was paid off and I did not agree with late payments on certain dates. At this point I have not been furnihsed any information for the account I am disputing and it has been well over 90 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I have received a copy of my XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX XXXX Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681

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 2021-02-26
Company: Summit Horizon Financial Services
State: CA
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:
I received a phone call on XX/XX/2021 at XXXX am from Summit Horizon Financial Service regarding a Student Loan Forgiveness program. Upon talking to them and trying to tell them that I was interested and I wanted more information before I agreed to anything they forced me to give them my credit card number and sign a contract which I did not agree upon. They told me they will charge my card {$150.00} for 6 months and did not explain to me what will happen after. 

On XXXX, XXXX, 2021, I found out they charged my credit card and created a new XXXX account. I did not agree to them creating a new XXXX account. Upon finding out this, I attempted to contact Summit Horizon Financial company to cancel the contract but only got the answering machine then I contacted XXXX directly and told them the situation. A consumer representative from XXXX promptly closed the account that Summit Horizon Financial created then told me to report this to ftc and consumerfinance.gov. I will be a dispute the charge on my credit card. 

The website information of Summit Horizon Financial Services is http : XXXX The phone number they had contacted me through is XXXX XXXX XXXX XXXX although on the website it is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There is an account that was opened ( XX/XX/XXXXXXXX  Transunion is reporting ) and ( XX/XX/XXXXXXXX  XXXX Is reporting ) with balance owed of {$0.00} and closed with Transunion and {$0.00} paid with XXXX for XXXX XXXX XXXX XXXX, I was victim of fraud due to the XXXX data breach in XXXX  and my personal information was used to open many accounts which I did not authorize, there is no permissible evidence that has been provided, which is also against my consumer rights. I have asked this company to remove this inaccurate information they are reporting to 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: Westlake Services, LLC
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 had a loan with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/2022 a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. I asked them for proof of the original contract I had signed with XXXX  stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and unaware of stopping auto pay causing late payments. I called multiple times asking to speak to a manager, and was given an excuse every time. After weeks of severe stress, I considered paying balance in full. I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. The dispute was completed and the late payments were NOT removed from my credit history. My account was immediately brought to current and paid on time ever since I discovered the derogatory payments 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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with product or service terms changing

Complaint:
TransUnion & XXXX dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently 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 2023-06-06
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/20 at about XXXX XXXX  PST I saw an email that stated my son XXXX Chase XXXX XXXX checking that is linked to my Chase checking account was overdrawn on the subject. So I looked at the Chase app his account was at XXXX, so I immediately transferred XXXX from my checking account because I thought his account was over drafted due to a XXXX monthly service fee. Then when I looked at my savings account I saw there was XXXX transferred to his account to cover the overdraft. I saw there were two transactions of XXXX each, total of XXXX made on XX/XX/20 done at a XXXX XXXX station in XXXX XXXX. I called the bank immediately On XX/XX/20 at about XXXX XXXX  PST and explained to them that there were two unauthorized transactions on his account. I explained them that he was home all day and night and he did not go to XXXX XXXX. We live in XXXX CA which is 40 miles away. They asked to speak to him and he told them he did not make the transactions and he had his debit card with him the entire time. They told me that they would reimburse the money to his checking account. I asked if there was anything else I needed to do they said no. They never told me it was temporary and that they would reverse it, but they did reverse it. On XX/XX/20 they reversed the amount, I called them On XX/XX/20 because XX/XX/20 was a Sunday and they are closed. They told me they reversed it because he made the transaction with a PIN. I told him he did not make the transactions, he was here all night. They said someone would contact me within 7 business days and that I would need to prove he was here. I told them if they could prove it was him, if they had a video or a camera. They didnt say anything. His account remained overdrawn. Then today on XX/XX/20, Saturday they have taken out XXXX from my checking account to collect for his overdraft. No one contacted me to ask me anything prior to this. Now I have to wait until Monday XX/XX/20 to call the bank and my rent is due XX/XX/20. This is truly wrong. Gas stations do not issue that much cash back. My sons transactions show he has never pumped that much money in gas. I didnt receiver one text alert alerting me of a fraud transaction when it clearly is fraud. Two transactions of the same exact amount from a gas station. Never have I experienced a problem like this with Chase. I am very disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have found a systematic fraud at Navient where they indirectly charge borrowers to simply change the bank from which their autopayments are drafted. 

I currently have an outstanding balance of {$61000.00} in federal loans serviced by Navient. I called Navient to simply switch my auto-draft from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX XXXX savings account. I was advised by customer service that the only way to do so was to cancel my current auto-pay. Doing so increases the interest rate on my loans by 0.375 %, which is the benefit offered by Navient for being on auto-pay, which the customer probably never notices. " XXXX '' ( # XXXX ) and her subordinate advised me to do this, saying I would not be charged a fee. The auto-draft authorization process takes about two weeks ( more or less ), even though my XXXX savings account was already authorized at Navient from months back, and is displayed as an option for my auto-pay. 

In summary, there is no way to change auto-draft banks without paying the extra interest for two weeks ; in my case, the interest is about $ XXXX {$9.00}. The fact that this extra " fee '' is accruing on a ledger is extremely opaque to the customer. They assured me there was no other way to change my auto-pay bank. Multiply the average outstanding student loan by the number of borrowers changing banks times 0.375 % interest, and I'm sure Navient is fleecing 7-8 figures from unsuspecting borrowers. 

Also note that Navient understood this is the case, and provided no relief for the extra money I had to pay. They would not allow me to reverse my decision, either, and continue to use my old bank under the old interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday I opened an account online with TD Bank and was approved. Before, every time I applied I was always denied because I owe them from an overdraft account years ago. Following that I received a letter in the mail saying that my account was one of the accounts listed in the TD overdraft settlement, and I put in my claim for it months back. In early XX/XX/2020, I called TD recovery department and asked for the owed balance to be settled, I was offered {$200.00} by XX/XX/XXXX, I agreed with that price. On XX/XX/2020 I walked into the TD branch in XXXX, FL to seek assistance and letting them know I just opened an account but I would like to pay whatever I owe first that way I wont go through any hurdles maintaining my account. I told the assistant manager, I dont remember his name, but it was a busy day and he took me and I gave him my ID, and he ran me through TD systems and verified that I did not owe anything to them, and he instead to verify and he called TD security to make sure everything is okay. He said he see nothing that I owe again, so I told him about my taxes and I needed somewhere local to store the funds, he told me to open the account. I opened it, deposited {$100.00} in my checking and {$20.00} in my savings, and was given a debit card. Then I came later that day and deposited {$300.00} into the atm because I didnt want to have too many cash on me. Friday passed, Saturday, I tried using the card for XXXX, it didnt work, XXXX XXXX, it didnt work. I called td to ask why its not working. I was told the account is not activated because the security team put an alert on my account from past due. I cant use my card at all with {$390.00} on my account with them that I just opened. I had to ask family for money to get where I needed to go because I was able to log in the app and there was funds shown. This is really emotional because I could have paid them the settlement of {$200.00} but I was told its was no past due accounts found. This is a horrible time for it to happen while trying to pay for bills.

Company response to consumer: Closed with monetary relief