BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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:
I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I circled everything inaccurate with red INK!

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 2016-09-01
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/22 I received a voicemail from someone named XXXX with a student support agency calling in regards to imperative student loan information that is needed for the per-qualification loan discharge and forgiveness program before the status expires. They presented themselves as a government agency and my loans are in the process of being transferred to EdFinanical so I thought this was legit, but it was not. When I called the number Jade gave me at XXXX I spoke to someone named XXXX who knew all of my FSA information, where I lived, how much I owed, and that Ed Financial was my soon to be new loan service company. He was even able to send me legit looking FSA codes for my account ( I did not use these codes to log in ) to my phone when they called had called from a different number so this made me feel that it was in fact legal and real. All of these things combine made me feel that it was real, legal, and legitimate. XXXX then stated that my previous college XXXX university has been getting shut down and that I am eligible for full forgiveness except for paying the interest rate which would be XXXX payments of {$190.00}. I gave him my credit card information for the first payment for XXXX, he emailed me paperwork to sign via XXXX and even gave me his direct number XXXX an FSA ID of XXXX. Once I received these emails of my signed documents I noticed things did not seem right. I want to note this is not a complaint about Ed Financial, but for a fraud company named XXXX XXXX XXXX with an email of XXXX, and website of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: DISCOVER BANK
State: MA
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:
This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to XXXX XXXX XXXX  account # XXXX and Discover account # XXXX 15 USC 1681section 602A states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a TD Bank representative to discuss my complaint and that ssme TD Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my TD Bank checking account due to me not having access to a TD Bank ATM because the TD Bank branch door would n't open when I inserted my TD Bank Debit Card. I never heard back from that TD Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other TD Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another TD Bank ATM to become available so once again because of a situation that was totally out of my control and totally also TD Bank 's fault that I 'm once again receiving several more unfair overdraft fees from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I schedule a phone appointment to occur on XX/XX/XXXX at XXXX PT via the U.S. Bank XXXX on XXXX the message for the purpose for the appointment, I stated I had incurred overdraft fees and am struggling financially and the amount of fees that have been incurred has created a spiral effect and I was requested approximately half of the fees back. 

On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. 

On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX XXXX  and stated the purpose again and also stated I did not receive a call on XX/XX/XXXX. 

On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. 

On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX PT. This request I did not state the reason for the appointment. I received an email from U.S. Bank on XX/XX/XXXX asking for some details pertaining to the appointment. I responded stating, " I want to have a conversation with the XXXX XXXX at this scheduled time pertaining a fee reversal. '' On XX/XX/XXXX, I did not have receive a call at the requested time. I had to call the branch at approximately XXXX XXXX. The XXXX answered the phone. I shared with him all of the attempts in obtaining an appointment pertaining to the fees and the avenues of speaking with him was not to my satisfaction. He acknowledged he was supposed to have called me but was with a customer at that time. He asked if he could call me back pertaining the matter, I agreed. 
He called back and had reviewed the account and he inquired what was going on, I shared what I am dealing with, going through a divorce all while being a single parent and now going their XXXX treatment. I could not afford the fees I have have incurred which has causes a revolving door. He reversed XXXX of the XXXX fees ( as of that date ) that were incurred and offered to reach out to his XXXX XXXX and XXXX person to fulfill on my request. He also said it was unlikely, and it would be approximately a week before hearing a response. I requested a response prior to a week. 
It is now 9 days following that conversation and I have not heard back. I have since incurred more and more fees. I CAN NOT AFFORD ALL OF THESE FEES. My new request to have XXXX of the fees to be reversed to 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 monetary relief
Consumer complaint received 2020-09-28
Company: Paypal Holdings, Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2020 I received debit card in the email. Immediatley tried to call PayPal. Waited on phone for 41 minutes and was told someone opened an account on XX/XX/2020 with my name, ss, address -- their email and phone number. I was told I had to be transferred and they could help me. The phone was disconnected. I have tried all afternoon and you get hung on you can't even protect yourself from losses because you can't report the fraud. I have tried 3 XXXX # 's and Can't get a person on the phone. I am concerned. my credit is already locked so I am unsure how this happened. I have not activated the card as I do not want them having my info. Please help me report this to PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24
Company: Genesis Lending
State: AZ
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 attended XXXX XXXX in XXXX, N.J. ( XXXX XXXX , XXXX ) in 2012. I was talked into taking out a Genesis to attend the XXXX-owned school. I was promised an education in XXXX that would get me a good job in the market.They used illegal tactics to induced me into taking out a private loan with Genesis to continue my education at the school. Their was threats and pressure to pay before the course was completed. What do I need to do to get my money returned from Genesis. The total cost for the course was {$17000.00}.

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 explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to dispute the bankruptcy that is showing on my credit report. I attempted to asked them how did they get permission? According to USC 1681 c ( a ) 1, states that credit reporting agencies are not to show a bankruptcies on a person 's personal credit report. There are tons of inquiries that I have requested to be removed as well, but they sent me a document stating that its accurate. HOW? They have not sent me anything to validate any of those inquiries.

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 2016-12-08
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Transworld union called a Client of mine. They were representing the XXXX fire department and referenced my clients office address which did not make since. See message below : We received a call on our Main Line looking for you, it was someone representing the City of XXXX XXXX and they are trying to set up a Fire and Health Inspection ... she did n't have/was n't willing to give me much more detail.. and when i asked what property she was referring to, she said / Street, so I was all sorts of confused given that is our office, and not in XXXX XXXX XXXX County . 

Would you mind calling them back? She did say she had left you a message on your cell ... Number below. 

Thank you! 


XXXX This is the same number that calls my work line and saying : this is XXXX XXXX with Transworld union please call me using the reference number This was embarrassing in all shapes and forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX XXXX to get a new car. I came in with a preapproved letter from XXXX XXXX. I explained to the dealership, I just wanted to work with XXXX XXXX. With out my consent nor approval, the financial department ran my credit. XXXX XXXX called me to verify my identity. I went to the financial department to stop the credit check. The financial department lied to me. They said, ''We ran your credit due to the fraud alert. '' Their system ran my credit report without my consent, authorization, nor knowledge. The financial department then went ahead and cancelled the Credit check. I called XXXX XXXX to check if XXXX XXXX, sent a report to them. XXXX XXXX stated, " NO. '' Ten minutes later, I got a call from XXXX XXXX to verify my identity. I was able to get approved for the car I wanted as per the preapproved letter.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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 ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX 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 explanation
Consumer complaint received 2016-11-18
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-12-06
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. 

How much of my balance is interest, fees, principal or any other charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Individual called my place in employment and began harassing my employees regarding my debt. He told my employees why he was calling gave them information regarding my case as to the amount owed the reason for the call who it was owed to why it was owed and so forth. Collector has repeatedly called my establishment for the past hour nonstop every minute on the minute and will not stop calling and has said and threatened that he will call all day every day until the debt is collected. He stated he will come after me and everything until the debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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  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 explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions 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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.

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