BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ALL 13 XXXX Accounts US Department of Education, All 13 XXXX XXXX accounts, 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 an 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 2020-12-29
Company: Navient Solutions, LLC.
State: GA
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:
I have requested that Navient formerly known Sallie Mae provide to me the promissory note for the loan that I have been paying. I have been requesting it several times and was ignored. I am requesting the original promissory note that bears my inked to paper signature that ties me to this debt. 

If they are not able to provide this documentation upon receipt I am requesting that this loan be discharged immediately and deleted from my credit file of all three reporting agencies. The listed account number is Account number : XXXX I went to www.studentaid.gov and looked for a MPN Master Promissory note and no forms were found.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: AMCOL Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor XXXX XXXX of XXXX is billing me {$35.00} for a copay that was paid on the date of service. This facility requires payment at time of service ; however, I have been receiving phone calls in reference to this debt from a debt collection agency and just recently received a letter in the mail. I do not owe this and it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
The account is called XXXX this account doesnt belongs to me and i would like for it to be removed The company address is XXXX XXXX XXXX XXXX XXXX, MN 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 2022-06-01
Company: Merchants and Medical Credit Corporation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Merchants & Medical Credit Corporation , Inc. for committing identity theft. I have never given Merchants & Medical Credit Corporation , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Merchants & Medical Credit Corporation , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Merchants & Medical Credit Corporation , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Merchants & Medical Credit Corporation , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: PACE Funding Group, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
We install solar panels in our home, and they were to be completely install so when the company call, I said work was finished, but 2 months later when light went off, we realized then the job was not complete, batteries were not properly hooked up. I call the financial institution to let them know but they didn't help us with the contractor, it was a scam, still to this day work has not been complete and the contractor got paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The XXXX Is my dads name and So is the Tax Lien on XXXX/XXXX/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 to apply for financing on an auto loan. I asked them to only run my name through XXXX XXXX. Instead of running my name through XXXX XXXX, they ran my name through numerous institutions instead of XXXX XXXX without my permission. 

The following Institutions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account with out 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 2015-09-24
Company: Northeast Recovery Solutions, LLC
State: MD
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 continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a medical debt to XXXX XXXX XXXX. They reported this matter originally to XXXX. XXXX lost the contract with XXXX XXXX and the debt was turned back over to the hospital. Once that was done, XXXX XXXX contacted me. I immediately paid this collection matter with the hospital. XXXX has agreed to delete this from my report. XXXX XXXX contracted AMCOL to collection their accounts. For some reason AMCOL started reporting a debt that I paid prior to being sent them. They are refusing to remove this error. AMCOL should have never reported a debt I paid prior to being sent to their office. Additionally, the refuse to assist me at all with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SD
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 have just checked my credit score on XXXX ( as I do every month. ) I just saw tonight that there is a total of XXXX open debt collections from a " LAW OFFICES OF MITCHELL '' with no further information ... I have tried to call them and the phone number will only put me through to someone if I have an account number. I have looked them up online and all I can find is that they are n't a reall law office and they are n't to be trusted ... I should n't have anything on my credit and I have never heard of this law office. I am not sure who to contact or why it is on my credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to XXXX XXXX which is illegal and experian will not remove it from my report. The amount is $ XXXX would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company say a check was sent by mail and I never knew about or received anything. I repeatedly asked for my signature showing I agreed to it but yet I never got anything showing my signature

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, 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 an 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 2022-06-01
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear XXXX, XXXX XX/XX/XXXX I made a Western Union XXXX for the amount of USD XXXX in error. I realized it right away and called WU Customer Service couple minutes after. The WU representative advised me to cancel the transfer from my WU application in the XXXX as she saw in the system that my debit card was not charged. So, I followed her advice and canceled the transfer from my WU application. Only on XX/XX/XXXX I received the receipt from WU showing that my debit card was charged and that I should call WU Customer Service within 180 days from the date when this transfer was available to the receiver to dispute this error. I did it on the same day on XX/XX/XXXX, and WU Customer service started an investigation and asked me to send them the bank statement as a proof, which I did on XX/XX/XXXX. After that there was back and forth with them, they escalated the case to the managerial level and after that I havent heard from them for some time, so I contacted them by phone again on XX/XX/XXXX and WU XXXX told me that it is my bank holding the money not WU, so I called the bank and the bank folks said that they there is the charge on my bank statement but they can not resolve it, it should be resolved by the merchant. Today, XX/XX/XXXX I contacted WU again and they said they never received my bank statement showing the charge. Ive sent it to them again. So it is like a never-ending story. There is no consistency between all their responses and I have it all documented, all emails and related documents. 

I hope that you can investigate this case and help me get my money refunded. Thank you very much in advance for your time and for looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I am member of USAA. On XXXX XXXX, 2016, I was searching to purchasing a vehicle through the USAA car buying service as USAA offers a rate discount if the car is purchased through their service and the financing is secured through them. The rate discount promise was incentive enough for me pursue purchasing the car and seeking financing through USAA. I ended up being approved for the car loan at a normal 3.85 % rate and a .50 % rate further discount for using the USAA service. I then sought a car, which found and purchased through the USAA car buying service and made arrangements to go to the dealership to take delivery of the car on XXXX/XXXX/2016. I went to check on the loan on XXXX with USAA and noticed the rate discount was not applied yet. I contacted a representative that day and that representative told me my rate would take up to 14 days to apply. Then on XXXX/XXXX/2016 I checked for the rate discount on USAA.com and noticed it was not applied. I then inquired about this. After much discussion with a USAA representative on their chat service, USAA said I was not eligible for the rate as they did not have record that I purchased the car through their service. There are clear indications that I did seek the car through the service and secured financing through them. The car I purchased is saved to my profile on the car buying services and USAA has agreed that the dealership is a part of the car buying service. They claim I did not print out a certificate and that disqualifies me from the rate discount, but no one told me I needed a certificate and the dealership did not ask for XXXX. The dealership, XXXX XXXX XXXX, is a USAA dealer and I should get the discount. USAA led me into securing the loan through them with the promise of the rate discount that never happened. I have excellent credit and I lost out on opportunities to seek better financing terms. USAA baited me into the loan under the promise of a lower rate..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, BOA ( BANK OF AMERICA ) Prequalified me for a home loan for {$500000.00} ; I have attached the pdf. ( LOAN XXXX ) Loan officers involved In the process of my loan are XXXX XXXX XXXX ID : XXXX ; XXXX XXXX XXXX XXXX ; and her XXXX XXXX XXXX XXXX On XX/XX/2022 ; My offer for a home purchase for XXXX XXXX XXXX XXXX Summit ; XXXX was accepted ; I started my loan process, locked the rate at XXXX %, and verified all they wanted ; I have attached. I have two jobs that can easily cover their monthly mortgage of {$2800.00}. But I was denied. Please see their reason below. 

We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Debt To Income Ratio : Excessive obligations in relation to income, Income insufficient for the amount of credit Requested THIS IS MORTAGE DISCRIMINATION AND REDLINING THIS IS FALSE BECAUSE I APPLIED FOR OTHER MORTGAGES ( I GOT TWO APPROVALS FROM XXXX XXXX AND XXXX XXXX XXXX I believe the main reason BOA denied me this loan is because of the XXXX $ they did not want to give if they approved the loan please see attached After reviewing all the documents, BOA lied on their loan document and put the taxes for the property for XXXX $ ( for a low-income area ). This is their strategy. 


Please refer this evil to federal authorities ; I am about to sue Bank of America.

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 2017-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, XXXX, I went to Experian online to obtain three reports from all three reporting bureaus for {$39.00} as advertised. I did not want to obtain a free report from Experian or receive other Information from any of their companies. A few years ago I had an account with Experian and did not try to log in because I had not renewed my account. So, I preceded to include information personal to me, and went through credit card information for the purchase and was told an error occurred and was told to call in. I decided I would try it today, XXXX XXXX, XXXX. I decided to try purchasing the three reports for {$39.00} again, however, I decided to get the free report first and opened a basic account without any costs. I received a welcome back online greeting and obtained a 12 page report with no score or information. Next, I decided to try again to purchase the three reports, and again after putting past, present name and address birthdate and credit card information was given an error message and it cancelled purchase. I the telephoned customer care XXXX and waited one hour and was told I could not purchase the three reports by telephone and that they could only be purchased online. I believe the offer to purchase 3 reports is a bait and switch, because I was offered a monthly deal for {$4.00} and other services.

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 2015-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My father filed bankruptcy XX/XX/XXXX. Somehow, I was included from a Auto Loan. The vehicle was traded in by my Dad for a vehicle that was claimed on his bankruptcy. I was unaware that I was on the new auto loan through USAA. I have sent dispute request to remove this off of my credit. However, my father has completed his bankruptcy and received his certificate. Nevertheless, I feel that this is part of the reason USAA has closed my account XX/XX/XXXX and denied me an auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  Account Number ; XXXX XXXX {$0.00} XXXX - - XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX XXXX - - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} - - - 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 an 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 2016-03-14
Company: BYL Collection Services
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BYL Services reported to XXXX credit reporting agency XX/XX/2016 an account that they placed with another agency. The lady I spoke with on the phone said that they did n't. She was very rude and I was calling in to clear the debt. She said they had placed the account with another agency and i should take it up with the reporting agency. I asked her if she could look into it and she said she already did. Very rude and false reporting from this agency.

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