BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: Dream Center Education Holdings
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To whom it may concern, I have been enrolled at XXXX  University at the XXXX XXXX XXXX for approximately a year in their XXXX XXXX XXXX XXXX. I would have been done with my classes in XX/XX/2019. At our first day of the summer session we got told about our campus closing.Not only have the students not been told anything or guided in a direction to help them succeed, but the faculty has also been left in the dark. Some of them not even knowing when their last day will be or if they will get paid a severance. We were told that XXXX  University did not file bankruptcy but got a letter in the mail stating that XXXX did. Our biggest concerns are that some students are 20,000-30,000 dollars in debt now due to the classes we have taken at XXXX , but most of them won't transfer to other colleges. We don't want to be in debt and have to transfer and get in bigger debt retaking the classes that we have already taken because they won't transfer. We don't know what we need to do to get our loans forgiven or see what our next step is. We are hoping that filing this complaint will give us some direction on what we need to do to get our loans forgiven. 

Sincerely, Frustrated XXXX student

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my house in XXXX XXXX GA on XX/XX/XXXX and I had two separate wires done. One to my closing attorney in XXXX, Fl and the other to my checking account at Ally Bank. On the XXXX, I had to pay off my debt with XXXX and pay for a good use car, as well as other minor expenses. However when I met the movers at my condo in XXXX the next day. I couldnt use my debit card to pay, when I called Ally they said since it was a new account I only could have a {$500.00} spending limit for 90 days?! And they suggested to me that I could send the money by XXXX, when I tried to send the funds to my mother who had an account at XXXX. They locked my account and when I called they told me that I couldnt send funds to another bank. They were the ones that suggested it in the first place. They have restricted my access and are supposedly investigating it. I am locked out of my account for almost a week and every time I tried to call for an update they give me a different time on when I should know something and Im fed up with this. This is my money and I havent done anything wrong. If I dont pay my movers soon Im going to loose everything including priceless heirloom pieces. I dont know who to turn to for help. I need access to my funds so I can live my life and take my funds away from Ally Bank. Please help me resolve this! I havent done anything wrong. It would of been a week since XX/XX/XXXX since this has happened and banks are not supposed to hold money hostage for this long. Please help me!

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 2018-07-19
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a XXXX XXXX on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: U.S. Auto Credit Corporation
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017 I lost my vehicle due to repossession there were several errors in the paperwork between the original creditor and the one who my account was transferred to. First of all I signed nothing with their company until almost 6 months after my account was transferred without my knowledge. I'm sure there are several violations in their procedures that I may not be aware of but I do know that they sold the vehicle " BELOW MARKET VALUE '' which proves the sale was not commercially reasonable. 

When I disputed the debt with the better business bureaus they advised that there was an issue with the transmission or the engine I can not remember however they never provided documentation of such, making it " Hear say. '' The debt is now " in collections/charge off status. '' A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment. 

I didn't mind paying this debt but they have put me in a bind and have unfair business practices that prey on the consumer. From the first day my account was transferred they changed my due date which went from bi weekly to weekly this caused tons of late fees on my account and increased my loan amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit 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 2023-02-25
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: DISCOVER BANK
State: MD
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:
This is the second time someone put XXXX different credit cards in my name. I contact most of the creditors and also put on a fraud alert and disputed each item, but only one or two was remove. 

This all started when I was a part of XXXX data credit breach years back and never stopped. Please help me get these fraudulent credit cards off all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: ResidentCollect, 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: Old information reappears or never goes away

Complaint:
Resident Collect is adding a collection account to my credit report with XXXX in the amount of {$840.00}. I have been disputing this account for a very long time because this account is not mine. I need them to send me written confirmation that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: GREAT LAKES
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing because I am concerned that my student loan payments while with Great Lakes will not be counted toward public service loan forgiveness, even under the new Technical Corrections Act ( HR 4399 ) that was passed as part of the omnibus spending bill. Because Great Lakes consolidated me into FFEL loans and I never received information about direct loan consolidation options or how FFEL would limit my eligibility for PSLF, I am five years behind on my pathway to PSLF. I made {$18000.00} in payments that will, essentially, not count toward anything in the end, because I was in the wrong kind of loan. I had hoped the Technical Corrections Act might remedy this situation, but now I am learning that it will not. My payments would have counted under this new program if I had been in the right kind of loan, but I was not made aware of these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I activated my Citi Prestige card on XX/XX/2018. I tried to make a purchase the same day and it was declined due to fraud. Over the last few weeks, I have tried to call in to cancel my account. Unfortunately, Citi is unable to authenticate my identity due to change in phone number etc. I am being charged a hefty annual fee for a card I have never had the opportunity or ability to use. I called as recently as today, XX/XX/2018. I've spent multiple hours talking to these people trying to find a solution but I seem to be caught in a circle with no exit point. Customer service won't close my account because they can't authenticate me, so they transfer me to fraud. Fraud can't authenticate my account, so they simply say sorry. I ask to escalate the call, I'm told there are no exceptions. So, hoping CFPB can help me here. To authenticate my identity all the options they tried have failed, calling other credit card providers, checking relative phone numbers etc.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT

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 2023-02-25
Company: Bread Financial 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: Account status incorrect

Complaint:
Hello, I had a Victora secret credit card. I have never made a late payment on any of my accounts. I called Vicotrai Secret or went into the store not sure, on XX/XX/22 paid off this credit card XXXX and closed the account and there is activity on this account that is on my credit report that I am not making payments. This has decreased my score over 61 points. I have disputed this information with all three credit beaures and not heard a response. It has been on going since XXXX. 
XXXX statemnt due XX/XX/22 was XXXX. Then for some reason the balance went up XXXX and I paid that off. I have worked so hard on mainitnng a great credit score to buy a home plus I am in XXXX school and may need loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.

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 2018-07-19
Company: Meridian ARG Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX account went delinquent back in XX/XX/XXXX-XX/XX/XXXX, I settled with a mediation company back in XX/XX/XXXX. Today I received a call from XXXX XXXX XXXX, of which they did not disclose where they were calling from in the aggressive voicemail of which stated my name and the name of the caller then followed by contacting you from the process division, I received an order from you, it looks like two pending charges were filed against you, now unfortunately because I'm unable to reach you by phone I will be actively pursuing you at either in your residential place up on that XXXX XXXX you have the right to contact the client to resolve your case voluntarily. Contacted XXXX directly they had no idea who this company was. They could not prove the original account number, when I asked for the information to contact their supposed client they told me to XXXX XXXX telephone number. They want me to email proof of the paid balance of which I have, but I do not feel comfortable emailing any of my information to them if they cant even prove to me who their client is.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: GA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransUnion Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. XXXX XXXX XXXX in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties XXXXXXXX XXXX XXXXXXXX and TransUnion

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