BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am continuosly being sent letters from debt resolution comapnies saying I owe thousands of $ on different credit cards/companies. I also receive calls saying I owe this and that and that apparently, at some point, I paid on these debts and that I must pay these debts. I did not have these credit cards! I have filled out numerous fraudulant papers because these are not my debts/charges.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, XXXX and Transunion to no avail.

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 2022-09-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover has placed a hold on my credit card ending in XXXX for the second time and I send in documents and my bank statements and other important docs and now they have me resend them again and starting its all over again .. and I already done this on a pending application for a second discover card and the fraud dept refused to merge the documents over .. and now I have to wait more additional time for it comes back to XXXX and I dont trust XXXX with my information since Ive been a victim of fraud with them in the past I dont know if I want keep this credit card open since its a only a {$500.00} credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the process of refinancing and was asked by the lenders to provide pay-off documents. I was further informed that once pay-off documents had been received, I would not have to make the next two ( 2 ) mortgage payments or words to that effect. Later it was revealed that that was in correct and that I had to make XXXX 2016 mortgage payment. Partial payments were made after due date. FREEDOM Mortgage had reported to credit bureaus that account was 30 days late. This was no fault of mine for I was led to believe that I would not have to make XXXX 2016 payment, but proceeded to make payments. Based on this situation FREEDOM Mortgage emailed me stating that they asked the credit bureaus to remove this comment. As of XXXX XXXX, 2016, credit bureaus reports account as 30 days late. Received banking statement showing that one payment was received on XXXX XXXX, 2016, but not cashed until XXXX XXXX. Investigation revealed that the other payment ( {$700.00} ) still had not been cashed. Bank recommended to stop payment on {$700.00} and to contact FREEDOM Mortgage over the phone and make payment. This caused further delay in processing XX/XX/XXXX payment and I am being penalized. Lenders will not proceed with refinancing until this 30 days late is removed.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The rest need to be taken off and they all keep giving me the run around. I have also contacted all companies and they can not tell me a rhyme or reason why my report was ran and when I tell the credit bureaus they tell me to contact them back and essentially do nothing about 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 explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed an account on my credit report ( XXXX XXXX XXXX XXXX to TransUnion, XXXX and XXXX. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to XXXX, Experian and XXXX to no avail.

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 2020-04-21
Company: Nelnet, Inc.
State: NC
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:
Great Lakes/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019   and reported as paid if full on my XXXX XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX, XXXX  and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019  as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and Great Lakes has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and Great Lakes has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent on XX/XX/XXXX to all credit agencies included the recording and copy of credit reports from XXXX and XXXX showing Paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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 am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: WELLS FARGO & COMPANY
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of 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 explanation
Consumer complaint received 2016-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
On XX/XX/2016, I applied for a new credit card account with Fifth Third Bank. On the initial application, I indicated XXXX existing financial accounts to be considered for balance transfers. I would only do a balance transfer if I received a high enough credit limit and the online application would not advance to the following page without putting something in the balance transfer space. The credit limit that I received was only {$3400.00} which was not enough to do a balance transfer as well as use the card for purchases. I called Fifth Third Bank to cancel the balance transfers and subsequently received 2 letters confirming cancellation of the balance transfers. 

On XX/XX/2016, I attempted to use the Fifth Third Bank credit card however the transaction could not be processed. I called the bank and was told that my account was in the negative due to the XXXX balance transfers. I also asked to have the balance transfers reversed and was told that this could happen due to payoff checks having gone to the XXXX accounts. 

Now, my account is in the negative, my credit utilization rate more than XXXX % and a brand new credit card has been maxed out. These balance transfers took place without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Originally  Bank of America stated they closed my accounts due to a business decision a few months ago, i do n't check my accounts that often and did n't know the reason until recently. I see that it was the fact that all of these claims were filed on my account. These claims were not filed on my behalf, and i found out these were actually filed by my EX GF. Whom was portraying to be me.Therefore when i spoke to the risk customer service department they advised me to call claims and tell them this info . Imagine me fi nding this out not knowing this for months. The claims department cancelled and removed all these claims from my account when i told them this info, they said to call risk back. I did and risk said they ca n't change the decision even though the claims are n't there and that i need to speak to corporate.  <P/> I do not want the account to be opened again, i just would like to bank with bank of america again, as i did n't submit these claims in the first place my ex gf stole my identity and i was shocked when i found out too. Please help.

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 2015-11-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I receive a pre-approve letting regarding a loan offer and the letter verification code is XXXX XXXX XXXX, I called them to find out about the offer, I told them before I let her to run my credit, I asked her what credit score that they require to qualify someone, she told me that they require XXXX credit score and I told that my credit score is about XXXX, I told her that I have that I have a lot of deft, she asked me if I have any federal delinquent, I said to her that I am not sure that it is federal but I did sign up a loan with XXXX for someone he did not pay the loan and I found out and I paid the loan off with my own money just yesterday and I said to her that to her the reason that I giving you all the information in front because base on my situation if I knew I am not going to be qualified I would not let you run my credit and I interested in this offer just to pay off my deft, and she told me it should not be a problem then, so I let her running my credit then she came back telling me that my credit score is XXXX and I have a delinquent with XXXX, therefore they can not qualify me, when I asked her what score they require to qualify someone she told me XXXX and my score is XXXX according to her when I told her about the delinquency with the XXXX and I just paid off yesterday and she told me it would be fine, I also told about the level of my deft, I told her all these in front just to make sure that before I let her running my credit score and told her that I know if you let people check on your credit a lot that would diminish your credit, that is the reason why that I told you all my information in front to see if I can let you run my credit, and when she come back with her decision I tried to remind her what I told her, she was very rude and she said that she told me that she said to me that they required XXXX credit score when she did not, she told me XXXX credit score, I am filling this complaint because I feel so misled, deceived,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
These accounts are still showing delinquencies and collection on my credit reports and were paid in full settlements and the test of the amounts charged off. The accounts should be listed as closed, paid, and account balances XXXX with no derogatory comments left. Settlements are binding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account without giving any tangible reason as to why. I have some funds in the account ( XXXX USD ) which I just received as salary payout. I have tried to reach them but all they could say is I need to wait 180 days. 

Personally I think this is so unfair and purely evil way to treat people. Please recover my funds as I don't really care about using the account anymore at this point. 

Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2021-08-05
Company: Experian Information Solutions Inc.
State: IL
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 reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the Experian file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.

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 2022-06-19
Company: Experian Information Solutions Inc.
State: AZ
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 # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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: Old information reappears or never goes away

Complaint:
I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.

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 2019-08-21
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I owe approximately 75k to American Education Services, I believe part of PHEAA. I've been told repeatedly that I have no repayment options left except to pay the full amount each month. I can't!!! But, I WANT TO PAY. I just need better terms. I'm an XXXX XXXX XXXX veteran, and maintaining a job is hard enough. If they will default me anyway because I can't pay what they require, why should I at all? May as well keep that money for rent, utilities, etc.

Company response to consumer: Closed with explanation