BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Improper reporting to credit companies without prior consent under FDCPA laws.

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 2017-05-08
Company: Experian Information Solutions Inc.
State: VA
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:
This is my  3rd  dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

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 2016-01-12
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy

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 2017-05-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Improper use of identity file without consent in violation of FDCPA.

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 2017-05-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Improper use of identity file without consent in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
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: Reporting company used your report improperly

Complaint:
Improper use of identity file without consent in violation of FDCPA.

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 2021-12-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of  XXXX   XXXX  for a recently charged off account. I have n't had an account with  XXXX   XXXX  since  XXXX  of  XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on  XXXX   XXXX ,  XXXX  to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is  XXXX   XXXX ,  XXXX  and the charge off date was  XXXX ,  XXXX ,  XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted  Transunion a s again, I have received no contact with  Transworld,  not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in  XXXX   XXXX . My issues are that I have received zero communicatio n, zero  proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in  XXXX  of  XXXX . They are lying on my credit report and saying that the original creditor contacted them in  XXXX  of  XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report form Experian and noticed that there is an additional ss number and phone numbers that are not mine or associated with me.

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 2017-05-08
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
pnc charged me {$100.00} non-sufficient fund fee. during the first overdraft, pnc never informed me that i need to keep a high balance and the merchant will re-attempt the charge. if they told me about that, i would certainly keep the balance to prevent overdraft. when i called pnc, representative was not able to solve the problem and even cut off and trying to hung up the call. i called again,  representative said someone will get back to me within 24-48 h ours, but no one has ever contacted me after that. i am request a refund of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative from  True Accord  -   XXXX   XXXX   - continues to email me in regards to a debt. Her emails have become increasingly inappropriate. I have not responded to these emails as I have no written notification of a debt in my name with her company. She uses very intemperate and inappropriate language to address me and this alleged debt. I have a copy of a recent email from  XXXX  and have included a transcript with this report.      XXXX  's latest email subject tell me to : ( My name  ) it ' s time to stop with the games  Body : W hen I grew up I put away childish things.  Enough. P ay what you owe.     I have attached a screenshot of this email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was " your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Bank of America had taken with these cards were to increase my credit limits on both. I called Bank of America and they said they have no say over it and I had to talk to FIA Services, who apparently administers Bank of America branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Bank of America / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?

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 2017-05-08
Company: Bread Financial Holdings, Inc.
State: NC
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 reviewed my   XXXX   Credit Report on  XXXX / XXXX /  XXXX   and noticed a HARD INQUIRY from Comenity XXXX . I did not request or authorize anything from this company. I sent a certified letter on  XXXX / XXXX /  XXXX   (  XXXX   XXXX  to have this removed and I have never received a response and it is still on my credit report. I want this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I HAVE A PREPAID CARD WITH RUSHCARD/UNIRUSH. I HAVE BEEN UNABLE TO ACCESS MY FUNDS SINCE XXXX/XXXX/15 AND HAVE NOT BEEN ABLE TO GET IN TOUCH WITH THE COMPANY. WHEN YOU CALL ANY OF THE CONTACT NUMBERS FOR THEM THE LINE RINGS AND HANGS UP AFTER BEING ON HOLD FOR HOURS. WHEN I DID FINALLY GET THROUGH LAST FRIDAY XXXX/XXXX/15 I WAS TOLD MY INFORMATION HAD BEEN COMPROMISED AND I NEEDED TO ORDER A REPLACEMENT CARD WHICH WOULD BE XXXX TO BE EXPEDIATED. THE SYSTEM HAS BEEN DOWN SINCE THE XXXX SO NOT SURE HOW THEY WERE ABLE TO DETERMINE THAT. I PAID THE XXXX FOR 1-2 BUSINESS DAY XXXX SHIPPING AND HAVE NOT RECEIVED THE CARD YET. WHEN I CALL TO TRY AND GET A TRACKING NUMBER THE LINE DISCONNECTS. I HAVE READ ONLINE THAT OTHER PEOPLE HAVE RECEIVED REPLACEMENT CARDS THAT CA N'T BE ACTIVATED AND THEY CA N'T REACH THE COMPANY TO GET IT FIXED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted Sallie Mae to request some relief when I could not make $ XXXX/month payments on a XXXX % private student loan. Asking if there was any way to lower my payments I was told that I could enroll in auto debit to save .25 % on my interest. I told them that that would not help. I was then told that I would have to miss payments and go delinquent on the loan before they could offer me any additional assistance. After I missed my first payment I called again and was told that I would have to get current before they could offer me any relief. I did n't have the {$200.00} that I owed them now they wanted {$400.00} before they would discuss relief. I missed an additional payment and called them a third time. This time I informed them that I was recording the call to keep my own records because I believed that I could not rely on them to work with me to offer realistic solutions. They refused to speak to me while I was recording and disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I changed my bank account in XXXX 2016 and alerted Sallie Mae and changed my bank account number in their system and deleted the old account. I updated all auto-debit setups. First, in XXXX 2016 XXXX student loans went to the old account ( auto-debit ) and were declined. Now in XXXX 2016 the XXXX student loan ( also auto-debit ) went to the old account and was declined. I received notification on XXXX/XXXX/2016 that the charge did not go through and started receiving collections calls the same day ( even though I immediately paid all that I owed and the next month ahead as soon as I was notified ). I called customer service the same day ( call was recorded ) and the customer service rep admitted she could see no record of this other account and could n't understand why this other account had been charged. She helped enroll me in auto debit again and yet still my account does reflect the accurate information. There is no record of my pending payment, nothing ( even though the customer service rep could see I had a pending payment ). Sallie Mae 's systems are woefully out of date and the customers should not be punished for their shortcomings.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16
Company: Netspend Corporation
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
I had an issue with my account due to a duplicate transaction. The credit card company charged me an overdraft fee and assured me that it would be refunded once the dispute had been resolved. Once the dispute was resolved I noticed that the overdraft fee had not been refunded. I contacted Netspend to make them aware of the issue and both agents were rude and unhelpful. At one point of the call the representative told me that she would have to hang up because the call was taking too long. I then asked to speak to a supervisor for further assistance. Netspend is telling me that they refunded the money, but when I ask them to walk me through it they wo n't. The information I have online does not match what they have in their system. They claim credits have been issued to my account that I can not see. I do n't think that this is fair to me as the consumer, I also do n't like how the customer service reps treated me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I got a car loan with Huntington Bank with payments starting XX/XX/XXXX for XXXX payments. I paid off my car in XX/XX/XXXX and was charged a XXXX early payoff fee. I got a letter stating they electronically filed my title and I have to go to the title bureau and pay for a paper title. I got a copy of my loan agreement and it states on line ( XXXX ) License, title AND registration fees {$20.00}. Bank reps state that I did not pay for my title just the registration fees. I stated that is not what I signed and that is not what the line states it stated AND not OR. I originally called on XXXX XXXX and someone was suppose to call me back by that Friday XXXX XXXX. No call and I called back today XXXX XXXX and the Supervisor I talked to on XXXX XXXX failed to notate my account at all. The Supervisor I talked to today stated the above so I filed a complaint with Huntington case # # XXXX and they stated I might get a letter with the resolution? Which would be nothing because I did not pay for a title and that line means any of the fees. I stated again then it should state OR not AND. I believe I should get a paper copy of my title since I paid for my car in full or I should get remimbursed for the fee I paid plus interest that I paid for all of the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Furnished negative and un-verfied reports to my credit profile without consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo dealer service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m 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 2017-05-08
Company: Advantage One Credit, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
___/___/___ Dear Sirs/Madams ; I recently received the paperwork regarding this case in the mail. The envelope was dated ____date______from_______adresss____. As I have read the paperwork, there was an attempt to serve me in person, the paperwork was serviced to a person that does not exist and I have concerns about consumer privacy. Clearly, as stated in the paper work ___________ was the substitute and spouse ; he/she is neither.
My spouse has been deceased for years and as aforementioned____________ was not and is not my spouse. The original paperwork was given to a complete   stranger not only compromises my privacy, it is a detriment to being able to resolve the matter within the allotted time frame. Furthermore, I attempted to resolve this matter and negotiate a payment plan however, by the time I received this I '' mailed '' paperwork the online option was unavailable. I suffer from  XXXX   ( docu mented ), my privacy is especially important, due to this matter my stress is elevated-Who in fact received my paperwork? Why did I not receive it that day? What does this unsaid stranger know about me?   I tried to resolved this matter with your client before it came to this ( I have photos of trying to pay the bill on line and the down payment was ambiguous-and I have photos of it changing, I tried for a larger payment to not avail ).     I made every attempt to pay the bill, after my after my spouse died my accounts needed to be changed to a solo account and this takes some time ; coupled with identity theft shortly after-not only is a strain but it takes quite a bit of time to change these things. I am not eluding my responsibility, I am sincerely trying to resolve the matter and made calls expressing my situation long before this : bottom line is I could not make payments from an account I have no access to. My children had to take this responsibility in interim because my inaccessibility to all the matters that needed to be accomplished, legal matters are time lengthy-especially after death.     Sincerely, ________________

Company response to consumer: Untimely response
Consumer complaint received 2016-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card at my bank and was turned down. I received a letter that they turned me down because of XXXX. I called and asked what were the main reasons I was turned down or how to get the main reasons. they said I had to go to the bank to find out. I am XXXX and do n't drive in essence cant get to bank. bank would n't help me.

Company response to consumer: Closed with explanation