BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-13
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a debt that university of XXXX is claiming that I owe them due to my not taking a masters program with them after I took the bachelors program. They sent this debt to a collection agency and I have been making {$25.00} payments once a month to States Recovery System, Inc. On XX/XX/XXXX I get a letter saying that I have XXXX of XXXX outrageous payment agreements to make or they are moving forward. The XXXX option is to pay {$2000.00} a month. The XXXX one is {$1100.00} a month. The third one is to pay {$670.00} a month. They gave me until XX/XX/XXXX to make a decision when the letter was dated XX/XX/XXXX and I got it on XX/XX/XXXX. I do n't know how these payments are justified out of the clear blue sky when I have been making payments that I can only afford and I have not been ignoring them or running away from them either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
trans union and XXXX I could n't get my credit reports. my XXXX report I recieved but not the others

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

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 2021-11-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Last XX/XX/2021, they permanently closed my Paypal account without any clear explanation at all. There were no refund requests or chargebacks or whatsoever. The account is clean. They closed the account for a reason that is baseless. Then on XX/XX/2021, Paypal took my remaining balance of only {$140.00} without my permission. I was expecting to withdraw my money after six months then they just take it away. I want my money back and remove the linked bank accounts and bank cards from my Paypal account. I am also worried that Paypal might steal the money on those bank and credit card accounts in the future. I am really worried. Please help. I badly need help. Please ... ... ... ... .HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were both released by the state and I have a copy of the release documents from the state.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE 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 reporter act XXXX  acct # 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 states a consumer reporting agency can not furnish your 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 2022-05-05
Company: TRANSUNION INTERMEDIATE 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 reporter act XXXX acct # 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 states a consumer reporting agency can not furnish your 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 2019-10-20
Company: WELLS FARGO & COMPANY
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and noticed an account for Wells Fargo in the amount of {$330.00}. I am requesting to pay the {$300.00}, which was the card 's limit to have the account settled and deleted. I fell behind on payments after I lost my job due to an extended amount of time out of work. I was diagnosed with long term XXXX XXXX, and had to undergo procedures to help make me more comfortable and to prepare me for weekly 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 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed XXXX accounts with Transunion credit bureau that were obviously placed in my credit file in error. I received an updated credit report dated XX/XX/2017 that advised me that XXXX Ref # XXXX was deleted and XXXX Acct # XXXX was also deleted the information also showed it was deleted from viewing my account in credit check total. 

Now today a little over a month later both accounts have be re-inserted to my credit which has caused my credit score to drop and ruined my chances of having a loan that i had applied for being finalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an attorney and have worked with consumers in foreclosure for more than 20 years. I took out a covid forbearance with Suntrust in XXXX. I tried desperately to get out of the forebearance begining in summer XXXX. Suntrust made it nearly impossible for me to get out of the forbearance. It was absolutely, crystal clear that Suntrust had scripts or talking points that induced or forced people to stay in forbearance. It took me month after month and dozens of phone calls before I could finally get out of forbearance and start making my payment. Here is an example of the dialog : Me : " I want out of forebearnce '', Suntrust : " I'm sorry sir, you can't get out of forebearance because your account isn't current. '' Me : " How is my account not current if I'm in forebearance? '' Suntrust : " It's the escrow that isn't current. '' Me : " Just tell me what I need to pay no, so I can get current and get out of forebearance. '' Suntrust : " We can not calculate that amount. '' Finally, after months, I get out of forebearance. I try to start making my regular monthly payments, but Suntrust can not tell me what my monthly payment is because they can not calculate what the escrow is. I ask to pay more in order to just keep my monthly payment current. 
Critically, during the entire period I'm in forebearance Suntrust has disabled my online account access so I can not see anything. Fast forward to XXXX, i get service transferred to Truist. It takes me God knows how many phone calls and hours on the phone with Truist to finally get autopay set back up so i can start making my payments again regularly and they start taking payments. Now on XX/XX/XXXX I get a letter, dated XX/XX/XXXX that states, " Recurring payments have been deleted from your loan as of the date of this letter. '' I can not login into my account and make a payment.I 've been on the phone now with Truist for 45 minutes and transferred around multiple times, but noone can figure out why my automatic payments have been deleted, and why my account has been disabled. I RECEIVED NO PRIOR NOTICE THAT AUTO PAYMENTS HAD BEEN " DELETED '' AND NO NOTICE THAT MY ACCOUNT HAD GONE MORE THAN 30 DAYS DELINQUENT.

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 2022-09-13
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ALLIED COLLECTION SERV Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX This company has never notified me of any debt owed. I have never had any communication with this company by any method. If I didnt check my credit report I would have never known about this. Also it appears that this company has been adding to this debt $ XXXX every XXXX weeks to my report only.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX showing on my credit report but was paid i fax and sent certified mail to have remove and they will not this is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX breach I placed a security freeze at all 3 major beaches. I was able to complete the process for XXXX and XXXX online. 

Experian could not verify my identity so I used the process on their website and sent a payment for {$5.00} along with a copy of my ID and recent bills on XXXX XXXX XXXX. I received a form letter from Experian dated XXXX XXXX that said the freeze was successful but that the payment was not necessary ; the letter stated that my {$5.00} check had been shredded. 

The next day I received another ( undated ) letter from Experian. This 3 page letter said the freeze request was unsuccessful but it also included ( 1 ) the original {$5.00} check ( that I had sent them and that they told me had been shredded ) and ( 2 ) a money order dated XXXX XXXX XXXX for {$3.00} sent by a XXXX XXXX of XXXX, GA ( I have no idea who this person is ).

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 2020-04-08
Company: CURO Intermediate Holdings
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The loan was opened XX/XX/XXXX. The last contact I had with this company was XXXX XXXXz The debt owed is {$570.00}. This company has been re-aging this debt. My debt is over 6 years old and as of XX/XX/XXXX they re aged the debt saying it was newly opened and 3 months old!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CONTRACT CALLERS INC
State: VA
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 have reached out to Contract Callers several times about removing the collections on my credit report. They assured me over the phone that if I paid the remaining balance that they would immediately remove the collections from my account. However, it is still sitting on my XXXX report. I called them to make them aware of the situation, and they told me to send screenshots and that they would remove it. That was almost a month ago and it is still on my report. I would like for them to honor what they said and remove this collections account from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed XXXX on my Experian credit report several times. The debt was cancelled by XXXX and I received a XXXX form, stating the debt was cancelled. I paid taxes on the cancelled debt. Experian continues to incorrectly report the debt as delinquent and past due. I was recently turned down for a mortgage loan due to incorrect credit reporting by Experian. This is my final attempt to have Experian correct this error, before I sue them. I am attaching the latest document from Experian dated XXXX 2015 showing the result of their investigation. This error is after I submitted a copy of the XXXX C form that I am attaching to this complaint. I have been injured by Experian 's inaccurate reporting, and if the error is not correcting this time, I intend to sue them for for actual and punitive damages. Experian continues to ignore my requests to correct the error, even though I supply the documentation that I am attaching today to this complaint. This official complaint, if not corrected, will be used as additional proof of the malicious behavior Experian is subjecting me to. The account is paid in full and not past due. The debt has been cancelled, as the document states. Note the account numbers on XXXX the credit report and the XXXX are identical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/2015, Midland Credit Management was told that I was represented by counsel and that they had failed to respond to a request to produce documents including account statements, account numbers, payment history, proof that account was mine. At that time they ceased all communication. However, for the past two months, thy have violated my rights by once again started calling our number, XXXX and leaving automated messages or hanging up and calling again numerous times. On XX/XX/2015, they mailed me a letter, in violation of consumer protection laws, referencing an account number, account XXXX, knowing that I had counsel. They still failed to provide any documentation or proof that this account belonged to me. I have retained copies of their correspondence. midland was sued by you for exactly this type of violation. They are now trying this same tactic with me, in violation of my rights. I ask that they stop this collection activity immediately or I will file a complaint against them and any counsel contacting me against my rights, with the attorney generals office and take legal action as appropriate for this violation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Theres multiple mistakes on my report that causing damages to myself and my family. Making our lifestyle more difficult. I reported multiple times that my personal information is wrong. Theres 4 names on the account. 5 addresses. And one employer thats incorrect and I had multiple jobs in my life. My credit report is only showing one where Ive never worked. Im not sure why its even on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: PNC Bank N.A.
State: IL
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 submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to Sears/XXXX XXXX/Citi Financial on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.

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 2016-05-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
On XXXX XXXX 2016 i had received and email from American Express Serve stating that my pin number was changed, right away i checked my account and i found that someone and transferred {$540.00} from my account to XXXX different accounts, I called AMEX Serve and made them aware of what just happened I went through the steps to re-secure my account IE : change my pin, email address and security question. They then told me same day ( XX/XX/2016 ) that my claim would be reviewed in 3-5 business days and I will have my money refunded. After the 1st 3-5 business days I called requesting a status, every single time ( on a recorded line ) they tell me I just have to wait they have a high volume of these complaints and it will take time. I continued to call every 3 days after no response on the status and every time it was the same story. On XXXX XXXX 2016 I receive an email stating they have closed my account because i was in violation of section 15-d??. I researched what this means and it basically states that i had no money in my account so they closed it and there is nothing anyone can do from this point. I withdrew all the money from my account because after all this back and forth stuff about me having to wait to get refunded the money that was stolen from me i was scared that money would be stolen as well. Now that they have closed my account my current paycheck will be direct deposited to that account and they will have complete access to that money as well, totaling {$1200.00}, I called AMEX Serve and they said " there is nothing we can do we are sorry '', I see your very sorry, needless to say I will be going to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: American Financial Network Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was trying to get refinanced because I need some cash out and I have an adjustable rate montage and applied to American Financial Network with a XXXX XXXX loan officer. 
They promised me XXXX cash out and that they would pay off a judgment against my daughter also. I had told them repeatedly not to go ahead with an appraisal unless all this looked good which they assured me that it did look good for me to get a loan with them .I had backed off them once but they persisted and so I gave them my credit card for the appraisal to be completed which it was costing me XXXX dollars but when they sent me papers to sign they money was not there that had been promised to me so backed off the loan and backed off the deal. I asked them to return the XXXX dollars since nothing was right about the loan .I believe they would tell me anything to close this loan but if they had vetted me closer before the appraisal as they should have they would simply told me that I did not have enough residual income for this loan to begin with, i contacted them and ask them to return the money have charged on my credit card but they ignored me and actually told me they would still do this loan, How can thy loan money to someone who did not met the standards for the loan in the first place They are American Financial Network Inc .www.afncorp.com the loan officer was XXXX XXXX from Ohio.

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