BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and Equifax contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern this letter is in reference to the negative items in my credit report by phh mortgage the servicor of my mortgage at XXXX co XXXX. 
They claim that I was late on my mortgage payments on XX/XX/XXXX and XX/XX/XXXX. They took over servicing of my loan from XXXX. XXXX had a streamlined process where i had an online system and direct withdrawal to pay my mortgage. When PHH took over they had no online system and automatic withdrawal despite my numerous requests. They also are located on the east coast and mailing to them was always sketchy and theyre processing was very slow. I often times would not receive my mortgage notice until very late. I had no intentions of being late or delinquent with payments but PHH processes made it very hard. I have been working out of state which also contributed to these problems when youre on the road working to keep money coming in to pay these debts it definitely helps to have a quality servicor. I mailed my payments in before i left home but they obviously were not received on time probably due to their slow processing times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, US DEPT OF EDUCATION XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **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 non-monetary relief
Consumer complaint received 2015-11-09
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a private student loan from Discover. I am currently a XXXX, making XXXX per year and can not repay my loans at this time. With all other loans, including all other federal and private loans I am able to apply for forebearance as long as I supply proof that I am still in training. 
Discover has told me that I " can only be in residency 4 years '' and that my ability to forebear my loan is over and I must pay up. I have explained to multiple discover reps who call to harrass me that I am still in traning. They continue to tell me that I can only be in training for 4 years and now I have to pay. 
I make $ XXXX. I AM STILL IN TRAINING. It is crazy that Discover is telling me I have a job and I have a higher salary

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Professional Placement Services, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I been receiving harassing and threatening telephone calls of death threats from representatives from Professional Placement Services in reference to a collection account that do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: DISCOVER BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I ca n't transfer money out of my discover bank account. Instead, discover allowed a wire transfer to the same account and routing number. 
THe account and routing number is correct but the bank will not let me transfer my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a credit card that I shared with my ex husband. The card is in my name only, but he had a card with the account. One or two years ago he turned this debt over into my name. We have been divorced for 10 years now. I am no longer liable for this debt. Discover Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: WLCC
State: MI
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a payday loan and it was well above what I was expecting after talking to the lender Arrowhead Advance, I also told them not to take anymore money out of my account since the loan plus addition interest was paid and If I do owe them more money I do n't want them taking it out of my account I will settle with them but they refused. I bank with XXXX XXXX in Michigan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: DISCOVER BANK
State: NM
Product: Credit card
Issue: Billing disputes

Complaint:
I had an account with XXXX. I noticed on my credit card recently that they had charged me again. I had n't received any notice from them that my card would be charged, that they were renewing ... 
I went to XXXX and cancelled my account. Then asked for a refund. 
They let me know that they do offer refunds. 
So, they do n't notify folks that their account will renew ... let their customers know they will be charging them. They email about just about everything, but not about charges on the account, not before, not after! 
I submitted a dispute with my credit card company, which was summarily denied. I submitted a followup ... no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Third time this year I have XXXX loans XXXX and XXXX, I mail in {$75.00} each month to them. They will not let me see it online, or mail a invoice to me, cant get the balance without calling and transfered around. I mailed these in last month XXXX money orders XXXX XXXX XXXX XXXX and XXXX XXXX sent in USPS picked up Saturday XXXX/XXXX/2016 and the XXXX loan was processed on the XXXX of XXXX. The loan XXXX money order from XXXX XXXX was processed on the XXXX. XXXX are mailed same time, same address. Yet Discover Student Loans says they NEVER got the money order for loan XXXX and I am late. Third time this year on this exact loan XXXX, same thing mailed, processed at XXXX XXXX later by days and they claim they never got the money order. 

I called they told me " a lot of illegal things happen these days in the world '' while talking to the rep in XXXX XXXX XXXX, UT on Sunday. 

To which I asked how a money order mailed to them, made out ot them made out to a set account number and loan number WITH a letter made out with the instrucitons for a THIRD time on XXXX loan of XXXX loans total with them is the ONLY XXXX having this issue. That maybe someone else processed it, aka not Discover. 
Well its their office, its a pattern now, and its illegal for anyone else to be able to process that money order made out to them that is now processed on teh XXXX and not yet on the books. 

This morning I check and the payment online history shows that I now didnt pay XXXX but on the XXXX I paid that to XXXX XXXX. So whats going on here! Where is the {$75.00} they took and is processed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit card company calls me at least XXXX times per day attempting to collect payment. I received a letter stating I had until a specific date to contact them regarding my debt before they turn it over for legal action, and they have still continued to call repeatedly XXXX times per day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: DISCOVER BANK
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Discover Bank took {$7600.00} from my account to respond to a XXXX tax lien. 
But Discover Bank had no authority to do that as the XXXX lien was not perfected in XXXX. 
I have been unable to get Discover to return my money. Nor have I been able to get XXXX to acknowledge receipt of the funds. 
Further the XXXX assessment against me was rescinded, which I told Discover customer service department before it disbursed the funds. 
I do n't know where the funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Rent Recovery Solutions
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX aka '' XXXX '' shows on both XXXX as well as XXXX that i have an eviction twice showing on my name that was recently placed back on my name after the discharge of the debt, and i never received an eviction for this property. This is an illegal eviction if such papers were filed after me leaving the subject property. The debt was discharged but had no knowledge of any evictions at this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
I used my Discover It credit card to use XXXX service. One of the service was getting XXXX ( XXXX ) XXXX ( XXXX XXXX complementry ). Since, I did n't use the service. I initiated dispute ( s ) on XXXX/XXXX/2015 along with another XXXX disputes for the same merchant. This particular dispute was never responded by the merchant and after 45 days my dispute was closed by Discover and I had {$170.00} posted on my account. On XXXX/XXXX/15, Discover updated my account one more time and reversed the credit of {$170.00}. 
The receipt submitted by the merchant does n't show that I received all the XXXX XXXX. I have made every attempt to explain this to Discover customer service supervisors but they said they need a proof of service. If I never received the service how can I give them a proof? I asked them to get a proof from merchant, if merchant can explain that I have received a full service. Of course, merchant has no proof since I never received the full service. Merchant only sent them a copy that shows that I paid {$170.00}, which is required to pay before to get future service. You have to go XXXX ( XXXX ) different times with minimum of one week gap to get a one XXXX at a time. 
I have n't used the full service of this XXXX program and I all want is the portion of my money back. I should n't be paying for something that I have never used. 
Most importantly, how can Discover reopen my closed claim and charge me back after 3 months and 9 days. They say, it takes 30 days to get to decision of disputed transaction but in this case we are talking about 99 days. 
Is this a fair practice for a customer?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I co-signed a student loan for $ XXXX for my daughter that originated from XXXX and subsequently sold to Discover ( we never received any notice of this takeover ). 
After the takeover neither my daughter nor myself received any statements about loan payments due ; then earlier this year Discover started sending notices the loan was 6 months past due and also started the negative reporting to the credit bureaus ( XXXX, XXXX, etc. ). Due to the ineptness of Discover my credit numbers have taken a nosedive by approximately XXXX points. Is the penalty against Discover cover anything about restoring my credit numbers? If so how much time are they allowed to get it corrected? If there is no provision about credit rating restoration why not? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is another complaint filed. This is ridiculous, no verification has ever been received from this company but they stated they have. Furnish then through the CFPB. The prior complaint stated the following which my complaint is valid and NOT nuisance Case number : XXXX Status Response disputed Rent Recovery Solutions said : Explanation of closure This is a nuisance complaint. 
Response The debt is valid and consists largely of unpaid rent. We are in possession of documents from our client substantiating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion itself has been fairly easy to work worth over these passed few months but i am pretty sure they are reporting a debt that is over the statue of limitations. This is a debt owed from 2005 and I am sure they should not still be reporting 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 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent attempt to open a credit card in my name - Called and stopped application. 
However, it took XXXX XXXX 6 months to have removed This time on XXXX XXXX, XXXX the same event occurred again. I called and stopped the application but XXXX XXXX failed to call me first ( Had a credit alert in place at the time of application ) and as of today XXXX/XXXX/XXXX failed to removed the hard hit from my credit report. I have spent over 8 hours over a 5 month period and have complied with their directions and faxes. 
I need help with XXXX XXXX to comply with the 90 day limit for removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
XXXX XXXX reported on my trans union XXXX and XXXX credit reports, XXXX also sold the account to XXXX XXXX XXXX reports and called them selves a credit collector/Attorney when they were not. Than XXXX Filed Suit in XXXX Washington to further Harass and embarrass me. This is a clear violation of the FDCPA section XXXX regarding deceptive practices by a collector. 

XXXX XXXX reported to the credit unions XXXX when the balance was only XXXX, XXXX dollars more the original debt another violation of the FDCPA XXXX XXXX has created deceptive transactions design to harass and embarrass and humiliate me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I noticed late payment ( s ) on my credit report that we 're from XXXX XXXX ( XXXX XXXX ). 

I contacted XXXX XXXX and they sent me a letter stating that they would contact the credit bureaus and have the negative remarks removed within 90 days of the letter they sent me. 

They never had these late payments removed as promised. 

I have a copy of the letter that I will attach to simplify this complaint. 

My goal is to have these late payments removed from my reports as promised. 

I have attempted to contact XXXX XXXX again to have them correct this. They have not and stated there is nothing else they can do. 

I have sent certified letters to all XXXX credit bureaus containing the letter from XXXX XXXX specifically stating these late payments should be removed. They refuse to remove them. 

I spoke today with TransUnion and they told me that " Documentation from XXXX XXXX '' is not sufficient for them to remove these late payments. 

That is insane. There is nothing more official that could be presented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
We have a security freeze on our credit files with all three credit agencies to prevent identity theft. When we want to apply for credit we lift the freeze temporarily for 30 days. Transunion has created XXXX credit files for both of us because they are too lazy to actually lift the freeze when they are requested to do it. The main file with our full history has a good score. The duplicate file has almost no credit history and therefore produces a low score. Instead of actually lifting the freeze as requested and sending out the full file, they send the duplicate that has almost no information. It produces a low score and has resulted in us being denied a refinance on our home mortgage over the last two years with XXXX banks. This has cost us over {$1000.00} in application fees and thousands of dollars in higher interest payments. Credit agencies have our social security number and should not be allowed to maintain more than one credit file per a single social security number. In other words they should not be allowed to create a new credit file just because accessing the correct full file would be a little extra effort due to the need to lift a credit freeze. It took me two years of countless inquiries to learn why my credit score would be reported so much lower than normal range when the banks requested it during my home loan application process.

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

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 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
my information was used to purchase phones and a contract with my old address

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