BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the XXXX Account XXXX XXXX account number : XXXX, and Account name XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC has placed a collection on my credit report for an account that was previously removed in another action. This has created a new line of credit on my report, and it has also started a process of re-aging a debt that has been removed from all accounts. I do not know why this has occurred. I have asked them to remove this only to receive condescending remarks. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/XXXX i was informed via Email that a XXXX XXXX  credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX student loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by 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 2016-11-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, I have filed a complaint with Wells Fargo on XXXX XXXX about my checking account.They told me they will answer me within 5 days and they never did. I have made multiple calls and none of them gave me a decent answer. What happened was that I got charged twice at the university for my tuition, so Wells Fargo refunded my money. The university for some reason gave me extra money on that matter, but I had to pay them back. On XXXX XXXX, XXXX University deposited {$410.00} in my checking account and that is the money I have to pay them back. It is included on my tuition and i have proofs. On XXXX XXXX, Wells Fargo took {$410.00} out of my checking account. I have filed a complaint and worked with a banker in town and have not solved the problem. I have reached out to the Vice-president of the Business Office of XXXX University regarding that matter. She told me she has contacted Wells Fargo and still has no answer. I am very upset with the situation and have tried everything I can. I have contacted the FDIC and they preferred me to you. 
I 'm looking forward to hearing from you. 
Sincerely, 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 2016-09-07
Company: Upstate Collection Center, Inc.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early 2016 I contacted Upstate Collection Center for an amount due on an account I had with the bank. The bank told me they sold the account to them. I spoke to a lady named XXXX XXXX who was in charge of the account. I informed her that I wanted to settle the account and if they would take {$1500.00} to settle. She told me call me tomorrow and I will see if the bank will take that amount, which I found weird because the bank told me that they sold the account to them. When I called her the next day she said we can settle for XXXX that is what the bank is asking for. I told her ok let me see if I can get the rest. The car in question got into an accident and was total. I went to the bank reported the incident and they advised me to call upstate collection center pay the amount we agreed upon to get the lien off the car. I called XXXX XXXX and asked her if the settlement amount was still the same XXXX, she responded yes so I told her that a gentleman named XXXX was going to call her on Friday and pay the XXXX. She stated fine not a problem. On Wednesday the insurance company called to resolve the issue and another lady answered the phone and stated that I was being billed the full amount because I did not tell her that the car was total. I said your just the collection agency collecting a debt, not the bank, the bank is the lien holder not them. I asked to speak to XXXX XXXX and she refused. I told her that we made a settlement agreement and the insurance company was going to pay them and she stated well since they are paying this is the way it is we are charging them the full amount. I told her 4 days ago I was paying and it was XXXX, her response was too bad that 's how it is like it or not. If you want the lien off you have to pay the full amount. This whole conversation taking place while XXXX was on the phone, they were shocked, I was shocked and beside myself. XXXX decided to put the account on hold until they come to terms with the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on this student loan for 33 years. It has been bought and sold more than once. I returned to school and the loan went into forbearance. I finished school but was not working so it was deferred for 6 months. That will be over in XX/XX/XXXX. I have been told via information on the services website that the loan did not qualify for being on hold during covid, and today was the first I found out about that. The loan has apparently been collecting interest and has risen quite a lot again. My new job pays less than my old job and I will have new student loans to also pay for. This loan was originally XXXX approximately in XXXX. I now currently owe XXXX. Why is this loan seem to be designed in a way it can never be paid off? Do I have to pay on this indefinitely until I die? What happens after I die?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There were false information on my credit report. I 've disputed with credit reporting agencies and aside from Experian, others have recognized the error and deleted them items. However, after thirty days of submitting the complaint, Experian only responded with a letter that states " If you question the results of our dispute process, then you may want to contact the furnisher information directly or review the original information in the public record. " Complaint receipt date : XXXX/XXXX/2015Refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the  world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit card account information was posted without my authorization, not to mention three of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.

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 2022-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called to settle my debt for my USAA credit card which was canceled, but once I requested a letter from them to say I had settled the amount I was laughed at and told that it wouldnt be removed as a negative impact and that I would just have to deal with it on my report. I have been with them for over 15 years, I have all my insurance, banking and all accounts with them and I thought that as a veteran they had my back. Im trying to sell my home and buy another and this is seriously impacting my chances to move forward. I went through tough times, but Im making a comeback and working hard to prove it. I just want a chance to start over and provide for my family and Im so disappointed that Im being treated this way. My circumstances have changed significantly and I know I wont be struggling financially like I used to. I would like the opportunity to move forward with this and I need help getting this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Morgan & Curtis Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy in XX/XX/XXXX. At the time I included a debt from XXXX XXXX XXXX and notice was served to the collection agency handling it which is XXXX and XXXX. In XX/XX/XXXX I returned to XXXX to have a XXXX and was told because of the balance that I reported in XX/XX/XXXX on my bankruptcy I had to sign a promise to pay or they would not see me. So, I signed the promise to pay. Which at that time I paid {$150.00} which was my insurance deductible for the XX/XX/XXXX visit. I later returned back in XX/XX/XXXX for another visit which I again made a payment of {$150.00}. Which was all I owed. XXXX along with XXXX and XXXX are now refusing to remove the negative information off my credit report and are still trying to collect the amount that was included in the bankruptcy along with the XX/XX/XXXX debit and balance billing me for the amount not paid by the insurance company.

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 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 applied for a BofA credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on XXXX. I got a letter dated XX/XX/XXXX telling me I would have to call BofA in the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that BofA made another hard inquiry on my XXXX credit report. Now I have two hard inquiries on my XXXX credit report for the same credit card application. I tried filing a dispute with XXXX, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because XXXX 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with BofA and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that BofA found the hard inquiry made on XX/XX/XXXX to be accurate. I called BofA in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.

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 2022-05-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have spent hours on the phone with Equifax trying to resolve this issue, to no avail. 

Their Dispute resolution system does not have sufficient functionality to address this issue, and the support agents are unable to address the issue, effectively putting me into a circular event loop where resolution is impossible. 

Equifax is reporting a past address as current, and a current address as past, offering no possible method to resolve the issue. The address listed as current in over 4 yours out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Optimum Outcomes, Inc.
State: ND
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have XXXX as an Insurance provider I 've always been insured by XXXX. XXXX has always paid any bill I 've had. During this time in Question I was insured by XXXX. It is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET EXPENSES. If I had a bill I would 've definitely sent it to my insurance company who paid any other bills I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute with TransUnion on an account that shouldn't even be on my report from XXXX, due to the account in question first of all not being mine. There are XXXX issues with this account, XXXX has no knowledge of the account information they reported to credit bureaus and after submitting a dispute with TransUnion on XXXX XXXX, 2022, now 10 days later there is no record of my dispute submission. This seems to be an ongoing issue with TransUnion as well, due to the fact that I have had many other issues ( some that required previous complaints with you agency ) with submitting complaints with them. What is the point of putting rules and laws in place if they aren't consistently upheld? I assume this is only meant for people not in affluence, or a place of power.

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 2022-08-17
Company: World Acceptance Corporation
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:
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that World Finance delete this account immediately and not ever repost it on my consumer report. 

Loan XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Paypal sends out XXXX XXXX offers a few times a year whereby if a customer spends a certain amount of money during XXXX transaction within a stated timeframe, the customer will earn a statement credit on their future statement. In 2014, I activated and completed XXXX offers during the end of the year XXXX XXXX & XXXX XXXX. I waited for my future statement to see if my statement credit posted to my account and found no statement credit given to me. I contacted Paypal customer service to inquire about my statement credits due me, during the end of the year. The customer service representative I spoke with was an outsourced employee in another country that spoke XXXX, but had no understanding of the XXXX XXXX vernacular and kept making the wrong understanding of what I was trying to explain to her. She kept thinking I was complaining about a charge on my account, even though I was telling her I an missing the statement credit promised to me for completing a purchase offer. I became frustrated and hung up. Then I sent and email, with the hope that an American would read it and understand my concerns. Instead, I received an automated response email about promotional financing and interest charges. Below is a short copy/paste of that email : Question about promtional financing and interest charges ( XXXX ) : XXXXXXXXpaypal.comXX/XX/2014to meHello, Thanks for your email. We 've created this immediate automated response to help you learn more about promotional financing and interest charges. 
If the information below does n't answer your question, please reply to this email or call us. 
A. What is my APR? 
B. I was offered a promotional credit for paying with PayPal Credit. When will I receive it? 
C. How can I tell if my purchase has promotional financing? 
D. How do I avoid interest on my promotional balances? 
E. How do you apply my payments to my account balances? 
I became frustrated and just decided not to use paypal anymore, because I feel that they offer statement credits just to get customers to use their credit for the purpose of earning interest payments and never truly have the mindset of giving a statement credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I called to in to Regional Acceptance Corp after I logged on to the app to see if I could do it myself. I am trying to refinance my auto and they want a copy of the title, front and back. The representative went through all my info, verifying everything and finally told me that they would not be able to provide me with that as I am over 30 days behind and simply wanted me to make a payment. I explained I was refinancing and didn't plan to make that payment. He told me he could send the request up and management would deny until I made a payment. I asked to be transferred to that XXXX as I wanted him to confirm that Regional Acceptance is refusing to send me a copy of my title until I made a payment as I thought that was illegal. He transferred me to another department who confirmed I am 10 days past due, not XXXX and that he couldn't get me that document copy but he could transfer me back to customer service ( he was collections ) and they could send me the document I was requesting. Call initiated at XXXX XXXX. I'm still on hold, however, they have employees who lie about providing documents and use unscrupulous collection methods. 

Now the new customer service rep is saying they will not provide me with a copy of the title, but with the title application that is 3-4 years old and not what I need. I've even told them I'm filing a complaint with the CFPB because of this, they say they don't have it. How can they release it when I pay it off if they do not have it??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation