BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: Oliver Adjustment Co.
State: GA
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: Was not notified of investigation status or results

Complaint:
15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

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 2016-01-25
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX XXXX, after finding myself in financial difficulty, I retained XXXX XXXX XXXX XXXX XXXX XXXX, CA to negotiate and settle my debts ... which has gone well, except for the Chase Bank credit card account. 
In XXXX XXXX, after 2 years of trying to negotiate this Chase account, I received a XXXX IRS Form XXXX ( cancellation of debt ) with an event code : XXXX ( decision or policy to discontinue collection ). I filed this cancelled debt as income on my XXXX Income Tax returns. 
After waiting a few months for my credit reports to update and reflect the {$0.00}. balance, they did not change. I, then, filed disputes with the credit reporting agencies and I called Chase Bank and talked to a representative named, XXXX # XXXX. The representative told me that I still owed the full amount of this debt, even though Chase had filed the " Cancellation of Debt ''. 
I do not feel I owe this debt because, Chase chose not to settle this debt with my representative, but chose to file the " Cancellation of Debt '' instead. 
I am submitting pertinent info from a previous complaint on this issue against XXXX, dated XXXX/XXXX/XXXX. CFPB case # XXXX or Original dispute case # XXXX. 
I am asking for any assistance you can give to help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received notification from USSA regarding an automobile payment being more than 30 days past due, therefore it was going to be reported on my credit. USAA is stating that I made the payment on XXXX XXXX of 2015 ( which was two days past the 30 + days time frame ). I have called the company and asked for clarification as the payment was made on XXXX XXXX, 2015 ( one day before the cut off date ). The explanation given to me was that though I did the correct thing by making the payment the day before it was 30 days past due, they can not remove the credit reporting. Their reason is that because I do not have a banking account with them, but I do with a third party bank, it sometimes takes longer for USSA to process the funds. Despite a long telephone call, there was no resolve. I explained to them that I have no control over how their company financially operates, I only have control over when I made the payment and it was before the date they are claiming. I feel that this is a deceptive business practice and should be looked into further. There is no reason that my credit should have a blemish because of their practices, which I have no control over. I also asked if I made a payment that technically was n't late, but my funds were not processed by USAA before the date in which it would be considered late, would I get a late fee - and I was told yes. Basically, no matter what I do or when I pay, it 's when THEY decide to get the funds and they go by that date. This is not fair to the consumer. I was told that I would have to go through a long process with disputing this with the credit bureaus, which I do not have time for and should n't have to go through the hassle due to their " business practices ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Transunion XXXX  Attn : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Transunion Interactive I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, 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 explanation
Consumer complaint received 2015-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Other

Complaint:
USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Closed on a home on XXXX XXXX, 2016. Received a notice in the mail from USAA saying they " completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. '' The difference in our monthly payment is {$240.00}. How can they raise our mortgage payment if we 've already closed and signed based on a completely different agreed upon payment? Why was n't an " analysis '' done before we closed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: AL
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 credit applications that were submitted in my name using my personal information that is fraudulent.

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 2021-01-14
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have contacted XXXX and the binance ticket XXXX  desk. 

I ACH transferred US dollars to this account and purchased XXXX tether with the intention to transfer this money to a working platform ( invest there ). 

Since XXXX  0f XXXX, Binance is barring this account from transfers without explanation. I have written numerous time and have never received a response to my inquiry " Why are transfers from this account being blocked? '' This company has a complaint history of poor service and there are allegations of theft of their customers ' funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
US XXXX was supposed to send my unemployment debit card on XXXX. As of today, i have not received. I have called 35 times in the last month and after waiting over 2 hours each time, the call disconnects. I have written the Senator a week and a half ago with no response. I have 8 unemployment claims that have been approved by the state, i am unable to access funds due to no card!

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 2023-03-27
Company: Experian Information Solutions 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:
They are and have been violating my right to privacy. I HAVE NEVER GIVEN WRITTEN AUTHORIZATION TO REPORT, PERIOD. AND WHY MY RIGHT TO PRIVACY IS BEING DENIED NEEDS TO BE PUNISHABLE BY LAW In addition they, by, laws passed by congress are to, EXCLUDE things on what they can report. 

SEE RULES AND DEFINITON ACCORDING TO : 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX BANK OF XXXX XXXX BANK 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 2022-10-30
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Today is XX/XX/XXXX over the course of the past four days Ive been told by my banking company by the name of current XXXX XXXX that with the dispute that I filed with these transactions that were made by somebody that got into my account while I was XXXX  in XXXX  for XXXX months that they would be under investigation, and after a 10 day. I would then we receive my provisional credit for the money that was taken from my account that I lost. the 10 day Was then exhausted and when they told me to contact him after the 10 days, if I had yet to get my provisional credit, they would give it to me and I contacted them. They started to then tell me tomorrow youll get it then it turned in to tomorrow to 24 hours then it turned into 24 hours to XXXX hours and now theyre saying a dispute team will contact me after now that the Claim has been escalated. Over the course of these past few days, Ive asked to talk to a supervisor or manager of some sort because of my frustration. When asked to speak to a manager Im given the runaround. Theyre saying that one is not available and are all they will do is give me the same information at the employees given me now. Im familiar with the regulations of the FDIC end of their company, and it states that after 10 days of investigation, I am to receive my provisional credit which I have not yet. Its now been close to 14 days. This is unfair and against regulations and rules of their own. They are not following protocol nor are they doing with their employees said they would do numerous times. Please help me to get what is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. 

I think it was XXXX I started getting XXXX from Nelnet. 

Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? 

The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. 

My phone used to ring off the fin hook from one machine calling my house to another one calling my house. 

After talking to the US Senator Warrem my check stop getting garnished. 

XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. 

Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. 

I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. 

In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. 

They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. 

side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-30
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
Account will not allow me to establish a checking account as advertised. I established this account and Netspend wrongly cancelled it. As a result of a previous complaint, Netspend, who was in the wrong reestablished the account, however, the savings feature of the account was frozen out until XX/XX/23. On XX/XX/23, I attempted to reestablish the savings account feature of this card. I was unsuccessful, due to an " unknown error '' and called the customer service line as instructed. 

Multiple calls to overseas customer service yielded no resolution. With four calls, I have received four different answers, of which none of them are true. As of today, I am still unable to use the savings account feature of this card.

Company response to consumer: Closed with explanation